text teresa, she keeps the tab
an expense tracker and bill splitter that lives in your whatsapp or telegram - alone, on a group, or with a budget. no app, no signup, just text it.
teresa
online
⋮
today
coffee 45 9:02💸
groceries 620 13:40💸
uber 89 15:10💸
dinner with sam 380 19:30💸
movies 180 yesterday 20:15💸
summary 20:16
💸teresa ✓august so far: 1,314
groceries 620 · food 425 · fun 180 · transport 89
receipts on 1 of 5 20:16
groceries 620 · food 425 · fun 180 · transport 89
receipts on 1 of 5 20:16
thanks! 20:17
💸teresa ✓anytime 20:17
the internet is 45 the 3rd of every month 20:18
💸teresa ✓got it - internet 45, every 3rd. i'll log it that morning and tell you 20:18
3 Sep
💸teresa ✓logged internet 45 (#6) - the one you set up 9:00
Message
🎤
a private ledger. the 💸 is the only reply an expense gets - it talks when you ask, or when you told it to.
→every 💸 lands here, live
🔒teresa.run/share/#/demo-solo
mel
personal · august 2026
august 2026
1,314
groceries 620food 425fun 180transport 89
recurring
internet · monthly, day 3next 3 Oct 45
| date | description | receipt | amount |
|---|---|---|---|
| 29 Aug | dinner with sam | none | 380 |
| 29 Aug | uber | none | 89 |
| 29 Aug | groceries | none | 620 |
| 29 Aug | coffee | none | 45 |
| 28 Aug | movies | none | 180 |
download: csvxlsxpdf
your month, receipts included, one link away - live, no login. yours alone unless you share it.
🌮
mexico city trip
mel, milo, ale, teresa
⋮
today
melhotel for 2 nights, paid 3,600 9:12💸
mel
PDFcasa-roma-invoice.pdf
1 page · 2 KB · pdf9:13📎
1 page · 2 KB · pdf9:13📎
aleairport uber 300 9:40💸
milolol almost there 9:41
milobreakfast 400, just mel and me 11:05💸
milo
11:06📎
ale@teresa close the tab 22:30
💸teresa ✓tab 'mexico city trip' closed 💸
mel is owed 2,100
milo owes 1,100 · ale owes 1,000
to settle:
- @milo → mel 1,100
- @ale → mel 1,000 22:30
mel is owed 2,100
milo owes 1,100 · ale owes 1,000
to settle:
- @milo → mel 1,100
- @ale → mel 1,000 22:30
Message
🎤
nobody filled a form. the 💸 and the 📎 are the only signs it was listening.
→every 💸 lands here, live
🔒teresa.run/share/#/demo
mexico city trip
tab · mexico city trip · all time closed
mexico city trip · closedall time
4,300
home 3,600food 400transport 300
final balances
miloowes 1,100
aleowes 1,000
melis owed 2,100
to settle
milo → mel1,100
ale → mel1,000
| date | description | paid by | receipt | amount |
|---|---|---|---|---|
| 27 Aug | breakfast | milo | none | 400 |
| 26 Aug | airport uber | ale | none | 300 |
| 26 Aug | hotel for 2 nights | mel | none | 3,600 |
download: csvxlsxpdf
everything it logged, receipts included, one link away - live, no login.
🎬
short film
mel, milo, ale, teresa
⋮
today
ale@teresa no split, budget 20,000 8:02
💸teresa ✓got it - this tab just keeps the book, nobody owes anyone. budget 20,000 for the whole tab; i'll say something at 80% and at 100%. 8:02
alelocation permit 4,500 8:30💸
milocatering 2,300, company card 12:10💸
milolights rental 1,800, company card 13:25💸
meltacos for the crew 640 cash 14:00💸
meltape + gels 78015:44💸📎
ale@teresa how much on art vs production? 18:05
💸teresa ✓so far: 10,020
production 8,600 · art 780 · food 640
budget: 10,020 of 20,000 used · 9,980 left (50%)
by person: ale 4,500 · milo 4,100 · mel 1,420 18:05
production 8,600 · art 780 · food 640
budget: 10,020 of 20,000 used · 9,980 left (50%)
by person: ale 4,500 · milo 4,100 · mel 1,420 18:05
Message
🎤
nobody owes anyone here. it keeps the book, fills the columns you asked for, and watches the budget.
→every 💸 lands here, live
🔒teresa.run/share/#/demo-budget
short film
tab · short film · all time no split
short film · openall time
10,020
budget 20,0009,980 left · 50%
production 8,600art 780food 640
by person
ale4,500
milo4,100
mel1,420
| description | paid by | payment | receipt | amount |
|---|---|---|---|---|
| tape + gels | mel | own | none | 780 |
| tacos for the crew | mel | cash | none | 640 |
| lights rental | milo | company card | none | 1,800 |
| catering | milo | company card | none | 2,300 |
| location permit | ale | own | none | 4,500 |
download: csvxlsxpdf
totals by person and category, the budget bar, the column you asked for - live, no login. the producer's spreadsheet, without the spreadsheet.
how it works
- say hi. tap the button above, or add it to a group. it introduces itself on the first message.
- text what you spent. "spent 300 on groceries" · "uber 89" · "cine 180 ayer". it reacts 💸 when logged. any language, no commands, no forms.
- fix mistakes in words. "that was 350" · "delete the tacos" · "the uber was yesterday".
- ask whenever. "summary" · "how much on food this month?" · "send me the xlsx for july".
- put the bills on repeat. "the internet is 45 the 3rd of every month" - logged every month, one line to tell you. "remind me to log the power bill on the 1st" - it asks, you answer a number.
three ways to use it
- just you. message it directly. a private ledger: what you spent, on what, receipts attached. summary and downloads whenever. bills that repeat log themselves. see an example →
- a trip that splits. a trip, a dinner, the flat - any group that shares costs. it remembers who paid, splits among everyone (or "just milo and me"), and posts who owes who when you close the tab. see an example →
- with a budget. a film shoot, a house fund, one company card. say "no split" once and nobody owes anyone - it adds everything up by person and category. say "budget 20,000" and it warns you at 80% and at 100%; the page shows the bar. see an example →
in a group
- it reads quietly, logs any expense someone mentions and remembers who paid.
- "@teresa new tab Trip" opens a tab; "@teresa close the tab" freezes it and posts the final numbers.
- splitting? @mention it for "who owes what", "settle up", "milo paid me 200".
- not splitting? "no split" turns the tab into a plain shared ledger; "split" turns it back.
- "budget 20,000" caps the tab. it posts a line at 80% and when you go over; "how much is left?" anytime. the page shows the bar.
the link
- every chat gets one page: live list, totals, csv/xlsx/pdf - and balances when the tab splits. no login.
- ask "send me the link" anytime.
- anyone holding the link can open it - say "new link" and the old one stops working.
- prefs live in chat too: "use USD", "timezone mexico city", "rename this to house".
- need another column? "add a payment method field: own, company card, cash - default own". it fills itself from what you write ("lunch 40 on the company card"), shows up here and in the exports, and "spend by payment method" just works.
that's the whole thing
no app to install, no account to make. text it what you spent and it keeps the book.
first message says hi · the 💸 does the rest