Everything people ask before they start.

Capi is a personal money tracker that lives entirely on Telegram. You tell Capi what you spent — by typing a line like "coffee 4.50", sending a voice note, or snapping a photo of a receipt — and Capi logs it across currencies. Every week Capi sends a short digest with the shifts that matter.

No. Capi runs entirely inside Telegram on iOS, Android, Web, and Desktop. If you already have Telegram, you already have what you need to use Capi.

Open t.me/MeetCapi_Bot. Tap Start. Pick your language and main currency in the quick onboarding. You can log your first expense immediately.

Capi reads the amount, the currency (inferred from your default or the symbol you typed), the merchant or category hint ("coffee"), and the implied date (today unless you say otherwise). It shows a confirmation card so you can tap to edit anything before it saves. Formats like "coffee 4,50 eur" or "groceries 45 at mercadona" all work.

Yes. Hold the microphone in Telegram and just say what you spent — "coffee 4.50", "groceries forty-five at mercadona", "uber eleven euros". Capi transcribes with Whisper, shows you what it heard, and saves with one tap. Voice works across all seven supported languages.

Yes. Snap the receipt, send it in the chat, and Capi extracts the merchant, total, currency, and date. If the OCR is confident Capi saves directly; if not, Capi shows a guess and asks you to confirm.

USD, EUR, GBP, BRL, RUB, ARS, and any pair reachable via live bank FX rates. Mixed-currency weeks are handled automatically — 40 EUR on Tuesday and 50 USD on Friday end up in one clean converted total in your main currency.

English, Spanish, Portuguese, Russian, German, French, Italian. Pick your language when you start; you can change it any time.

Your transactions live in a per-user SQLite file on Capi's server. Auth is Telegram's. No ads, no third-party analytics on your transactions, no data sold. Full detail on the privacy page.

Yes. Type /export in the bot to get a CSV of every transaction. Type /delete_me and confirm to wipe everything.

No — Capi doesn't use Plaid, open banking, or any direct bank connection. Input is manual (text, voice, photo), plus bank-statement PDF import on paid plans. The highest-trust, lowest-friction path is a conversation, not a credential share.

Text entry, basic categorization, and simple recaps are free. The paid tier unlocks the weekly insight digest, goals, multi-currency auto-conversion, bank-statement PDF import, and full history.

Monthly $9.90. 3 months $24.90 ($8.30/mo). 6 months $44.90 ($7.48/mo). 12 months $69.90 ($5.82/mo). Pay by card or cryptocurrency. Telegram Stars is coming.

ChatGPT doesn't persist your ledger across sessions, doesn't run on a weekly schedule, doesn't convert currencies reliably at scale, doesn't OCR receipts into a structured store, and will hallucinate totals on long conversations. Capi is a dedicated tracker with a persistent database, voice and photo input, a scheduled digest, and a category taxonomy that stays consistent. Read the long version: Why ChatGPT is worse than a real tracker for finance.

Most trackers optimize for a rigorous budget workflow that wants you to sit down and plan. Capi optimizes for the moment you actually spend — three seconds of typing or talking, inside a chat you already have open. YNAB is a spreadsheet with rules. MoneyLover is tap-heavy. Copilot is US-only and iOS-only. Capi is global, cross-platform, and conversational.

Daniil Kozin — founder, builder, writer. Capi is built in public. See the about page, daniilkozin.com, the blog, and Instagram/Threads at @meetcapi.

Message the bot — anything that isn't a transaction is routed to a human. Or email daniil.kozin@gmail.com.