A calm capybara on Telegram — because every other tracker you tried wanted too much.
Capi is a conversational money tracker that lives entirely inside Telegram. You tell it what you spent — by text, voice, or a photo of a receipt. It remembers, converts currencies, and sends a weekly digest that keeps you on the goals you actually set.
Why Capi exists
Every personal-finance tool I ever tried failed in the same way. YNAB was rigorous but it wanted me to sit down with it. Notion dashboards looked great for two weeks. MoneyLover wanted seven taps to log a flat white. Spreadsheets were fine until I had a messy week with three currencies. The apps weren't bad — they were all, quietly, asking me to become a different kind of person to use them.
So I watched what I actually do. I'm already in Telegram forty times a day. I already talk to my phone more than I tap at it. I already take photos of receipts and then lose them in the camera roll. The tool I would actually use isn't an app I open — it's a chat I already have open.
Capi is that chat. You type "coffee 4.50" and hit send. You hold the mic and say "groceries forty-five at mercadona". You send a photo of the cashier slip. Capi parses, converts, confirms, and moves on. No onboarding wizard. No categorization tax. No weekly guilt.
The only finance tool that works is the one you actually use. The lowest-friction input wins. Text and voice beat tap.
What Capi does differently
1. Text and voice are first-class, not bolted on
Most apps start with a form and add "voice input" as a Premium feature. Capi starts with a message. Everything else — categories, currencies, graphs — is downstream of one primitive: tell Capi what happened, in the form that's fastest for you right now.
2. Multi-currency is the default, not the upsell
If you live between countries, most trackers turn into a fight. Capi handles USD, EUR, GBP, BRL, RUB, ARS, and any pair it can reach via live bank FX rates, automatically. "40 euros" on Tuesday and "50 dollars" on Friday end up in one clean weekly number.
3. The weekly digest, not the daily ping
Capi doesn't nag you every time you spend. Once a week — Sunday morning by default — you get a short, readable summary: where money went, what shifted from last week, whether you're on track. That's the moment that changes behavior. The rest is just logging.
4. Capi doesn't moralize
A lot of money apps carry a tone of quiet judgment — as if every latte were a moral failing. Capi is explicitly not that. The job is to show you what happened, clearly. The judgment is yours.
What Capi doesn't do
- Capi isn't a bank-syncing tool (no Plaid, no open banking). It accepts manual input, plus bank-statement PDF import.
- Capi isn't business accounting. If you need invoicing, VAT handling, or payroll, use something else.
- Capi isn't an investment tracker. It's a spending tracker.
- Capi doesn't sell your data. There are no ads, no third-party analytics on your transactions. Auth is Telegram's. Your history lives in a per-user SQLite file on our server.
Who made this
Daniil Kozin is the founder. The product, code, design, and writing are all currently his. He writes about building Capi in the blog and shares updates on Instagram and Threads.
Capi is built in public. If you have feedback, bug reports, or a thing you wish the tracker could do, send a message to the bot — it routes to a real human.