Automatic expense tracker
Stop logging expenses. Start asking about them.
Sprout pulls every expense from the bank and card accounts you connect, so the record builds itself. Ask what you paid a vendor, find a charge from March in seconds, and show up to your bookkeeper with the totals already done.
The short answer
Sprout AI is an automatic expense tracker that builds your expense record from your bank and card feeds, read-only through Plaid. Ask what you paid a vendor, search any transaction by merchant, date, amount, or account, and review business and personal accounts separately. Every answer shows the accounts and dates it used.
Ask it like this
- “Who were my top vendors last quarter?”
- “How much did I pay Adobe this year?”
- “Find the $89.99 charge from March.”
- “What did I spend on travel on my business card in 2026?”
- “Show business expenses over $500 since July.”
- “Did anyone charge me twice this month?”
Sproutsample answerWho were my top vendors on the business card last quarter?
Your business card paid $4,826 across 63 charges from July to September. Amazon Web Services was the biggest vendor, followed by your Adobe plan and one conference flight.
$4,826business expenses, Q312% less than Q2
- Read from
- 63 transactions · 1 Jul–30 Sep 2026 · Chase Ink Business Cash
Expense tracking that does not depend on you
Most expense trackers ask for a daily ritual: snap the receipt, type the amount, pick a category. Miss a week and the record has holes you will be patching in April. Sprout reads your expenses straight from the bank and card accounts you connect, so the record stays complete on the weeks you forget.
Connect once through Plaid with read-only access and let the feed do the work. New transactions arrive dated and sorted by category and merchant, ready to question. Sprout cannot move money or change accounts, so the convenience never costs you control.
See what every vendor costs you
The question behind most expense reviews is simple: who am I paying, and how much? Ask Sprout for spend by merchant over any date range and get a ranked list with totals, from the software you pay every month to the print shop you use twice a year.
Vendor totals are where creeping costs hide. A design tool that went from $20 to $35 a month. A contractor you paid three times in one quarter. A delivery habit that started as a one-off. Ask Sprout to compare two periods and it gives the exact change in dollars and percent, so you can see which vendors grew.
Find any expense in seconds
Every expense is searchable by merchant, date, category, account, currency, or amount. The classic hunt for "that $89.99 charge in March" becomes one line typed into Sprout, with the matching transactions and the account they hit. Dates, amounts, and account names come back with every result, so you can match a charge to a statement line without opening your bank's website.
Search helps with cleanup too. Ask for every charge over $500 this year, everything from one vendor on one card, or all travel on your business account since July. Sprout also flags unusually large expenses and possible duplicate charges for you to review, which is handy before a statement closes.
- Merchant: "everything from Staples this year"
- Amount: "charges between $400 and $600"
- Date: "what did I buy on 14 March?"
- Account: "only the business Visa"
- Currency: "my CAD expenses last month"
Keep business and personal apart
If you freelance or run a side hustle, the cleanest setup is separate accounts: one card for the business, one for life. Sprout respects that line. You choose which accounts a review covers, so "business expenses this quarter" can mean only your business checking and business card, with personal spending left out.
Mixed accounts take more care, because a personal streaming charge on the business card is still on the business card. Sprout shows it so you can deal with it. Our guide to separating business and personal expenses walks through the setup, and the page for freelancers covers the rest of the routine.
| You ask | Accounts Sprout reads | What you get |
|---|---|---|
| "Business expenses in Q3" | Business checking and business card | Total and top vendors for 1 Jul–30 Sep |
| "Personal spending last month" | Personal checking and personal cards | Category breakdown with the business side left out |
| "Software I pay for across all cards" | Every connected card | Each software vendor with its total |
| "Travel on the business card this year" | Business card only | Every travel charge, largest first |
Ready for your bookkeeper in minutes
Bookkeepers and accountants tend to ask the same things every year: total spend by vendor, the big purchases, the recurring tools, the travel. Sprout answers each one from your actual records, with a table when it helps and the accounts and dates listed on every answer.
Sprout knows its lane. It does not capture paper receipts, file taxes, or decide what is deductible, and nothing it says is tax advice. Keep whatever records your accountant asks for, and use Sprout to find transactions fast and arrive with the totals already worked out.
Name the accounts
Start your question with the accounts that are business, for example your business checking and business card.
Pull vendor totals
Ask for spend by merchant for the quarter and note the vendors at the top of the list.
Check the outliers
Ask for unusually large expenses and possible duplicate charges, then review each one.
List the recurring tools
Ask for recurring charges on the business card with their annual cost, and decide which ones still earn their keep.
Common questions
Expense tracker: your questions, answered.
What is the easiest way to track expenses automatically?
Connect the bank and card accounts you pay from to an app that imports transactions for you. Sprout AI reads those feeds through a read-only Plaid connection, so every expense is recorded without typing, and you can ask about vendors, categories, or dates in plain English.
Can I track business expenses without logging receipts?
Yes. Sprout tracks business expenses from your card and bank transactions, so you never photograph or type a receipt to see what you spent. Sprout does not store receipts, though, and record-keeping rules vary. Ask your accountant which records you need to keep.
Can I keep business and personal expenses separate?
Yes, as long as they run through different accounts. You choose which accounts each review covers, so you can ask about business spending only, personal spending only, or both together. Connect the business checking and card alongside your personal accounts and name them in your question.
Does Sprout categorize expenses for taxes?
Sprout sorts transactions by category and merchant to answer spending questions. It does not assign tax categories, decide what is deductible, or file anything. It is informational and not tax advice, so treat its totals as a starting point for your bookkeeper or tax software.
How much does the expense tracker cost?
Expense tracking is part of Sprout Plus, which costs US$99.99 per year or US$9.99 per week. Eligible Apple accounts get a 3-day free trial on iPhone, and you can explore fictional sample data before connecting a bank. See pricing for the details.
Which banks and cards can I connect?
Personal and business accounts at eligible banks, credit unions, and card issuers available through Plaid in the United States and Canada. The connection screen shows what is available to you, and you choose exactly which accounts Sprout can read.
Can Sprout pay or reimburse expenses?
No. Sprout is read-only. It cannot move money, pay bills, transfer between accounts, or dispute charges. It tracks and explains your expenses, and you act on them through your bank or card issuer.
Keep reading
Related on Sprout.
- FeatureThe spending tracker you can just ask.See where every dollar went, by category and merchant, without typing a single transaction.
- Who it's forLumpy freelance income, finally easy to read.Track irregular income, client payments, and business expenses, and keep business and personal apart by choosing accounts.
- Who it's forAsk your business accounts where the cash went.Ask about business cash flow, vendor payments, company card spend, and SaaS costs straight from your bank feeds.
- GuideHow to separate business and personal financesSet up separate accounts, pay yourself on purpose, and untangle months of mixed spending.
- FeaturePaid twice? Find out in one question.Flag possible duplicate charges and unusually large expenses before they slip past you.
- FeatureMore in than out? Know in one question.Money in, money out, and net cash flow by day, week, or month, with transfers between your accounts left out.
Ask Sprout where your money went.
Connect your accounts read-only, ask in plain English, and get the number with the receipts. 3 days free on iPhone if eligible.
