Spero Intelligence is the all-in-one personal finance and family office bookkeeper. Connect your accounts, let a best-in-class categorizer file every transaction through a multi-layer engine, and watch your reporting update in real time.
$1.5B+in assets under administration · Backed by Spero's CFOs
A walk through the workspace
Connect your accounts and the categorizer files each transaction the moment it lands. No more end-of-month spreadsheet marathons.
Once transactions are categorized, your income statement, PFS, and trend analysis generate themselves. Board-ready, reconciled, and exportable.
Assets, liabilities, and entity roll-ups update in real time as transactions post. The family-office view, without the family-office price tag.
Why it's best in class
Every other app sorts your money into the same fixed set of categories everyone gets. Spero reads your chart of accounts first, finds the most likely match, and only then decides, so each transaction lands in the real account your bookkeeper would use. That is the kind of per-client customization a standardized, one-size-fits-all category list can't touch, delivered through a four-layer engine rather than a single model.
We look at your chart of accounts first, figure out the most likely account, and decide from there. Other apps run a standardized COA and best-guess a generic category. Spero matches against your accounts, so the categorization is bookkeeping-grade and gets sharper every month you use it.
Raw bank-feed strings like “SQ *BLUE BOTTLE #42” are cleaned, fingerprinted, and resolved to a real merchant before a single decision is made.
A curated rule engine maps the merchants every set of books has (payroll, Amazon, utilities, transfers) straight to the right account in your chart of accounts. Exact and repeatable.
Every correction you make becomes a rule scoped to your accounts, so the same payee never has to be fixed twice and your books stay consistent month to month.
Whatever is left goes to a Claude model that reasons over the transaction and your actual chart of accounts, picks the single most likely account, then learns from your confirmation. It chooses from your books, not a generic category list.
Spero vs. the alternatives
| SperoAll-in-one | ChatGPTfor finances | Silvia CFOAI CFO | YNABbudgeting | Rocket Moneysubscriptions | Monarchnet worth | QuickBooksaccounting | |
|---|---|---|---|---|---|---|---|
| Automatic bank-feed bookkeeping | ✓ | ◐ | ◐ | ◐ | ◐ | ◐ | ✓ |
| Multi-layer categorizer that learnsrules + patterns + AI | ✓ | ✕ | ◐ | ◐ | ◐ | ◐ | ◐ |
| Real family-office reportingincome statement, PFS, net worth | ✓ | ◐ | ◐ | ◐ | ◐ | ◐ | ◐ |
| Consolidates multiple entities | ✓ | ✕ | ✕ | ✕ | ✕ | ✕ | ◐ |
| Investment & net-worth tracking | ✓ | ◐ | ✓ | ◐ | ◐ | ✓ | ✕ |
| Audit-ready, every figure traceable | ✓ | ✕ | ✕ | ✕ | ✕ | ✕ | ✓ |
| Backed by real CFOs | ✓ | ✕ | ✕ | ✕ | ✕ | ✕ | ✕ |
| Built for households AND businesses | ✓ | ◐ | ✕ | ◐ | ✕ | ◐ | ◐ |
✓ Full◐ Limited✕ None
Capabilities
A product from Spero CFO
Most finance apps are built by software people trying to learn complex financial reporting. Spero Intelligence went the other way: we're the CFOs and family office accountants behind Spero CFO, with more than $1.5B in assets under administration, and we built this software from scratch around the real needs of our clients. The same engine and standards behind our white-glove client work, now in your hands.
Interested in Spero CFO's full white-glove service? Visit sperocfo.com →
FAQ
An all-in-one personal finance and family-office app. It connects your accounts, automatically bookkeeps every transaction with a best-in-class categorizer, and turns that into real reporting: income statements, net worth, budgets, and forecasts. It is the same platform Spero's CFOs run for clients.
Other apps run one AI model over your transactions against a standardized, one-size-fits-all category list and hope it's right. Spero categorizes against your own chart of accounts: it reads your COA first, finds the most likely account, and only then decides, through a four-layer engine (normalization, deterministic rules, your learned patterns, and AI run against your COA). That is customization other apps simply don't have, so accuracy starts high and climbs the more you use it. It's bookkeeping-grade, not best-guess.
Both. Spero handles personal and family-office finances as well as operating businesses, and consolidates across every entity you own into one picture.
Securely link your banks, cards, and investment accounts in a few clicks. Transactions stream in automatically and start categorizing right away. No CSV uploads, no manual entry.
Yes. Connections are read-only and bank-grade encrypted, access is tightly scoped per account, and every figure is traceable back to its source transaction with a full audit trail.
No, it's built to be self-serve. But it's the same engine Spero's CFOs use, so if you ever want white-glove help, the platform is ready for it.