Your first year is free
For one person or household. Then a locked $99 a year.
Checking Personal availability…2 I am managing:
What do you want to do with your money today?
Press one box. It opens into its own page — with a big button to come back.
3Start hereChoose the path that sounds like you.
Or choose what you want to do
START HERE
The money app you talk to. In your language.
Three quick choices. We show you exactly where to begin.
- 1 Language
- 2 What you manage
- 3 Where you start
Choose your language
Your choices are remembered on this device only. Nothing is posted, connected, imported, or purchased without your explicit confirmation.
AI-assisted money managementDuesmart teaches you, listens to you, and answers you.Duesmart teaches and organizes. It is not a licensed financial, legal, or tax advisor, and its answers are educational, not advice. For decisions about trusts, taxes, or investments, bring what you've learned to a qualified professional.Checking the live Founding 10 count…
The money app you talk to. In your language.
Say it and it's posted — your payments, bills and sales, in six languages.
Don't know where to start? We teach you: first budget, to business books, to trusts. Free with every plan.
Question at eleven at night? Ask. Any hour, any day, in your language — 10 strategist answers a month on Personal, 50 on Business Solo, 200 on Business Pro, and 500 on Business Team.
✓ Connect your banks if you want to — you don't have to. Personal entries stay on this device. Signed-in Business entries use the secure cloud ledger. Linked-bank access tokens are encrypted.
🇺🇸 🇯🇲 🇪🇸 🇫🇷 🇭🇹 🇧🇷 Six languages✓ Teaches you✓ Someone to ask✓ No bank login required✓ Personal entries stay on your device
Three easy steps
Say it. Review it. Post it.
Tell Money what you spent, received, or need help understanding—in your language.
Money prepares the entry and reads it back so you can correct anything first.
Approve only when it is right. Nothing is posted without your permission.
Bring your money over
Moving from another app? Your history is not trapped.
Your CSV file is read on this device and nothing is added until you review and confirm it.
Bring your money over
Your history is not trapped.
Move personal history from YNAB or Monarch, or start clean business books from a reviewed cut-over date.
🔒 Your CSV file never leaves your phone or computer.Duesmart reads it in this browser. Personal entries stay on this device. Business sends only the balances and lists you preview and confirm to the selected secure company ledger.
1Files selected: 0. No upload occurs.
Choose all your transaction CSV files
Multiple files are welcome. Duesmart matches headers by name and supports signed Amount or separate Outflow/Inflow columns.
How to leave the old app
Four clear export guides
Personal migrationYNABOpen guide ＋
- In YNAB, open the budget you want to move.
- Use Export Budget. YNAB creates two CSV files.
- Choose the file ending Register.csv here first. That is the transaction history.
- Choose the budget or plan CSV too if you want Duesmart to prepare category limits separately.
Register.csv is the transaction file. The other CSV is never treated as transactions.
Open the official export help ↗Personal migrationMonarchOpen guide ＋
- In Monarch, open Settings and your data export tools.
- Download transactions as CSV for every account you want to move.
- If Monarch creates several files, choose all of them together here.
- Duesmart recognizes Account, Amount, and Date by header name—not column position.
Multi-file selection supports long histories beyond Monarch’s per-download limits.
Open the official export help ↗Business cut-overQuickBooks OnlineOpen guide ＋
- Choose a clean cut-over date with your accountant.
- Export the Chart of Accounts with current balances as CSV or Excel converted to CSV.
- Export customers and vendors as separate CSV files.
- Keep QuickBooks as the read-only archive. Duesmart starts clean from the date you confirm.
Duesmart does not claim to import a complete QuickBooks company file. Old books are never rewritten.
Open the official export help ↗Business cut-overFreshBooksOpen guide ＋
- Choose a cut-over date and export the Chart of Accounts as CSV.
- Export clients and vendors as separate CSV files.
- Keep expenses, invoices, receipt images, and reports in the FreshBooks archive for reference.
- Bring balances and lists here, review them, then confirm the new starting point.
FreshBooks estimates and proposals are not promised here because their export requires FreshBooks support.
Open the official export help ↗What's inside
One money workspace. Choose what you need.
Every tool is still here. Open one clear area at a time.
Duesmart Daily Clarity
Know what changed and what needs attention.
Recurring payments, a plain-language weekly recap, and one clear next step—without digging through reports.
Recurring Money Center
3Payments around the corner
UtilitiesMonthly · Detected from transactions
$184Aug 22, 2026
Home paymentMonthly · Detected from transactions
$1,350Aug 25, 2026
Car insuranceAnnual · Detected from transactions
$245Jul 20, 2027
Money Weekly Voice Recap
ＭYour seven-day check-in
Money in$0Money out$0Entries0
Largest spending areaNo spending category · $0
Needs your review8 transactions
Due soon or overdue2 recurring payments
Bank syncing
Bring your bank activity into one clear view.
Choose whether this connection belongs to your personal or business money space above.
Secure bank center
Checking your secure bank connections…
Direct sync
United States
Secure Plaid bank connection
Direct sync
Canada
Secure Plaid bank connection
Direct sync
United Kingdom
UK Open Banking through Plaid
CSV import
Jamaica
Import your bank’s transaction CSV
CSV import
Belize
Import your bank’s transaction CSV
Clear country coverage
Plaid provides direct connections for the United States, Canada, and United Kingdom. Plaid does not currently offer direct Jamaica or Belize connections, so Duesmart gives those countries a bank CSV import with no false “connected” claim.
Bank reconciliation
Make your records match the bank.
Use one bank statement at a time. Check each cleared item and Duesmart shows the difference immediately.
Difference shown livePersonal statement
Step 1
Enter the statement details
Start with the statement. Enter the opening and ending balances exactly as the bank printed them.
Live check
Your difference
Bank statement minus Duesmart$0.00Enter both balances to begin.
Opening balance$0.00Cleared money in＋ $0.00Cleared money out− $0.00Duesmart cleared balance$0.00
Enter the balances from one bank statement.
Step 2
Check what cleared the bank
Compare each line with the statement. Leave anything missing from the statement unchecked.
0 checked8 still unchecked
Your reconciliation stays on this device. Pending bank transactions are excluded until the bank posts them. Review the completed statement with your bookkeeper or accountant when required.
Receipt scanning
Snap it. Check it. Post it.
Money reads the merchant, date, total, currency, and category. You approve every detail before anything enters your transactions.
Review requiredNo automatic posting
Step 1
Photograph or choose a receipt
Choose a clear receipt photo to begin.
The photo is processed securely for extraction and is not stored by Duesmart Finance.
Step 2
Review before posting
Your review will appear here.
Choose a clear photo, let Money read it, then correct anything that does not look right.
- Nothing posts automatically.
- The receipt image is saved only when you choose the encrypted Receipt Vault.
- Signed-in Business posts use the cloud ledger; Personal posts stay on this device.
📦 Export Center
Download My Records
Make a clear copy for yourself, your accountant, or QuickBooks.
My branding
SummaryIncome$0.00Expenses$0.00Balance$0.000 transactions · 0 receipts
Download My Records
🔒 Private financial records. Store and share downloaded files carefully.3
🔐 Encrypted Receipt Vault
Only you and authorized members of this Business portal can open these copies.
AES-256-GCM encrypted · Private Cloudflare vault · Signed-in portal access onlyNo encrypted receipt copies are stored for this portal yet.
Today at a glance
One look. You know where you stand.
All totals update when you add a transaction.
↓ Money in
$4,850This month
↑ Money out
$2,675This month
✓ Left over
$2,175You are in the green
Monthly spending
View budget →$2,675 spent
55%of income
Housing$1,350
Food$446
Transportation$310
Bills$184
You can still protect your goals.
Your budget has $820 left. Move a small amount to your emergency fund before the month ends.
Personal changes save on this device; signed-in Business entries and linked transactions sync securely.Transactions
Every dollar, easy to follow.
8 transactions
SelectTransactionCategoryDateAmount
↓Monthly salaryNeeds reviewIncomeJul 26, 2026+$4,850.00
⌂Home paymentNeeds reviewHousingJul 25, 2026−$1,350.00
●Fresh MarketNeeds reviewFoodJul 24, 2026−$286.00
⌁UtilitiesNeeds reviewBillsJul 22, 2026−$184.00
◆Car insuranceNeeds reviewInsuranceJul 20, 2026−$245.00
→TransportationNeeds reviewTransportationJul 18, 2026−$310.00
●Family dinnerNeeds reviewFoodJul 16, 2026−$160.00
＋Personal shoppingNeeds reviewPersonalJul 14, 2026−$140.00
Monthly budget
Spend with a plan, not a guess.
Still available$820
Housing
$1,350 of $1,500
$150 left to spend
Food
$446 of $650
$204 left to spend
Transportation
$310 of $450
$140 left to spend
Bills
$184 of $350
$166 left to spend
Personal
$140 of $300
$160 left to spend
Whole monthly plan
$2,430 of $3,250
That is 75% of your planned spending.
Save Up and Pay Down Goals
Know if every goal is on track.
Total saved$6,470
★
Save upDecember 2026
Emergency fund
$4,000saved of $6,000
At risk$500 a month needed
Current plan: $350/monthExtra $100 could finish 1 month sooner.
67% complete
✦
Save upMarch 2027
Jamaica family trip
$1,650saved of $3,000
At risk$193 a month needed
Current plan: $175/monthExtra $100 could finish 3 months sooner.
55% complete
✓
Pay downOctober 2026
Pay off Visa
$820paid of $1,400
At risk$290 a month needed
Current plan: $200/monthExtra $100 could finish 1 month sooner.
59% complete
62%
All goals together
You are more than halfway there.
$6,470 saved toward $10,400.
The Duesmart money school
Most money apps assume you already know. This one teaches you.
Not sure where the money goes? That's stage one. We start there. Move at your pace from everyday money clarity to budgeting, saving, debt, family protection, trusts, and organized business books. Lessons are included with every plan and available by voice in six languages.
A cheaper app will track your money. It will not tell you what a trust is, how to set up a chart of accounts, or what to do first when you're behind.
Duesmart teaches and organizes. It is not a licensed financial, legal, or tax advisor, and its answers are educational, not advice. For decisions about trusts, taxes, or investments, bring what you've learned to a qualified professional.Simple pricing
Choose Personal or Business pricing.
Personal is for one person or household. Business has Solo, Pro, and Team plans. Choose the section that matches you.
One simple plan for one person or household
Founding access and regular Personal pricing are shown together.
Personal
Duesmart Personal
Clear daily money management for one person or household.
Founding 10 members receive their first year free, then renew at a locked $99 annually. Includes 2 bank connections, 30 Money voice minutes, and 10 AI answers monthly.
$12.99per month
Start Personal monthlyOr claim a Founding 10 first-year-free spot
Everything Personal includes
Learn: Six-stage money school, budgeting through trusts and business books.
Speak: Tell Money in six languages; review before anything posts.
Ask: Any hour, any day, in your language — 10 strategist answers each month.
- Personal dashboard, transactions, budgets, and goals
- Up to 3 bank connections after Plaid production approval
- 30 Money voice minutes each month
- Personal entries stay private on this device
Business plans for every stage
Compare Solo, Pro, and Team in one place.
Business
Business Solo
For a solo service business ready for organized books.
$29per month
Start Solo monthlyEverything Business Solo includes
Learn: Money and business-book lessons in six languages.
Speak: Prepare entries by voice and approve them before posting.
Ask: Any hour, any day, in your language — 50 answers each month.
- One business owner
- Up to 2 bank connections after Plaid production approval
- 60 Money voice minutes each month
- Secure cloud ledger, invoices, and bills
- Suggested U.S. Schedule C lines on the chart of accounts
- Reconciliation, financial reports, and CSV importing
- 25 receipt scans each month
Business
Business Pro
AI-assisted cloud accounting for a growing service business.
$59per month
The first 10 businesses pay $39/month for their first 12 months, then $59/month. Checking the live count… Claim a Founding 10 Business place
Start Pro monthlyEverything Business Pro includes
Learn: Money and business-book lessons in six languages.
Speak: Prepare and review cloud-ledger entries by voice.
Ask: Any hour, any day, in your language — 200 answers each month.
- Up to 3 team members plus accountant access
- Up to 5 bank connections after Plaid production approval
- 180 Money voice minutes each month
- Smart Bank Rules, AI Review Inbox, and month-end assistant
- 100 receipt scans each month
- Tax-line mapping, spoken readback, and preparation reports with drill-down
Business
Business Team
For a service company that needs more people and oversight.
$119per month
Start Team monthlyEverything Business Team includes
Learn: Money and business-book lessons in six languages.
Speak: Prepare and review company entries by voice.
Ask: Any hour, any day, in your language — 500 answers each month.
- Up to 10 people with role-based permissions
- Up to 10 bank connections after Plaid production approval
- 500 Money voice minutes each month
- 500 receipt scans each month
- Tax-line mapping and spoken expense readback
- Payroll preparation and records, not payment or tax filing
- Priority onboarding and support
Founding 10 registration
Reserve your first-year-free Duesmart Personal place — then a locked $99 a year.
We save each registration securely in the Duesmart cloud list. One email can hold only one place, and the system cannot assign more than 10 founder numbers. The plan includes 2 bank connections, 30 Money voice minutes, and 10 AI answers monthly.
Checking the live Founding 10 count…- No payment information is requested.
- Do not enter bank, card, account, or tax numbers.
- Duesmart support reviews the email before activation.
Founding 10 Business registration
Request Business Pro for $39 a month for 12 months — then $59 a month.
Founding 10 Business is a separate pool from the Personal Founding 10. The same email may hold one place in each pool, but never two places in the same pool.
Checking the live count…- No payment or bank information is requested on this form.
- Duesmart reviews each service business before activation.
- At activation, Stripe applies $20 off the regular $59 monthly price for 12 months.
- Includes 3 bank connections during the founding offer.
Clear terms: Prices are in U.S. dollars; taxes may apply. Annual Business plans include two months free. Voice posting is included within each plan's monthly allowance.
Educational boundary: Duesmart teaches and organizes. It is not a licensed financial, legal, or tax advisor, and its answers are educational, not advice. For decisions about trusts, taxes, or investments, bring what you've learned to a qualified professional.
Secure subscription checkout is powered by Stripe. After Founding 10 Business approval, the regular $59 monthly Business Pro subscription receives a $20 monthly discount for 12 months and automatically becomes $59 monthly at month 13.
Subscribers can manage billing, update payment details, download invoices, or cancel through the secure Stripe customer portal.
Plaid bank syncing becomes available after production approval.
AI, receipt, team, and bank limits are fair-use safeguards. Duesmart payroll prepares and records payroll; it does not send payroll, remit deductions, or file forms.
Questions people ask
Clear answers before you begin.
Thirteen clear personal and business answers, written without accounting jargon.
What can Duesmart help me do with my personal money?
Duesmart helps you record transactions, understand spending, build a budget, follow savings and debt goals, review upcoming bills, and ask Money questions in plain language.
Can I speak instead of typing?
Yes. Press the gold Talk to Money button and speak naturally. Money prepares what it heard, reads it back, and waits for your approval before posting.
Which languages can I use?
Duesmart supports English, Jamaican Patois, Spanish, French, Haitian Creole, and Portuguese across its multilingual pages and Money voice experience.
Do I have to connect a bank?
No. You can enter money manually or import a CSV statement. Live bank syncing becomes available after Plaid production approval.
Where do my personal entries stay?
Personal manual entries stay on the device you use. Signed-in Business entries use Duesmart's secure cloud ledger, and linked-bank access tokens are encrypted.
Can Duesmart help seniors or people with limited vision?
Yes. Large controls, readable contrast, voice posting, spoken answers, and review-before-posting reduce the need to work through small or complicated accounting forms.
Does every plan include the Duesmart money school?
Yes. Every plan includes lessons that progress from first budgets through money protection, trusts, and business books, available by voice in six languages.
How does the Founding 10 offer work?
The first 10 verified Duesmart Personal members receive their first year free and then renew at the annual price shown in the Founding 10 registration section. One email can hold one non-transferable place.
Can Duesmart organize a service business?
Yes. Business plans provide cloud accounting tools for service businesses, including transactions, receipts, reconciliation, reports, invoices, bills, team access, and a secure ledger.
Can my team and accountant work with me?
Eligible Business plans include role-based access for owners, administrators, bookkeepers, employees, viewers, and accountant support.
Does Duesmart replace professional tax advice?
No. Duesmart prepares records and reports to support tax preparation, but it does not provide tax, legal, investment, or lending advice and does not file tax forms.
Can one client manage more than one company?
Yes. Each additional company receives separate books, reports, reconciliation, tax settings, team permissions, bank connections when available, and Money voice posting.
Why does this cost more than other money apps?
Duesmart teaches you, listens to you, and answers you. The six-stage money school meets you where you are. Money prepares voice-posted transactions in six languages for your approval. Any hour, any day, in your language — Personal includes 10 answers a month, Business Solo 50, Business Pro 200, and Business Team 500.