Bamboo Open dashboardJoin the beta

Singapore's expense tracker

Your money, finally in order.

Message Bamboo on Telegram like you would a friend. It logs the spend, sorts it, and tells you where you stand against your budget. No forms. No app to open.

Open your dashboard See how it works For financial advisers
3 secto log a purchase
CPF + HDBplanning built in
Singlishfluent AI parsing
🌿
Bambooalways listening
lunch wonton mee $6.50 maxwell
Food$6.50 Wonton Mee, MaxwellOctober budget: $380 left of $450
grab to airport $22
Transport$22 GrabMonthly: $188 of $200 (94%)
ntuc $67.40
Message Bamboo…

The problem

Most people can't say where their money went.

73%

of Singaporeans don't track daily spending.

2 min

to log one entry in existing apps. Most people quit within a week.

~30%

of financial plans rest on guesswork because the client has no real numbers.

How it works

Just tell it what you spent.

Type it the way you'd say it. Bamboo reads the amount, the place and the category, then files it. Your running budget updates in the same reply.

  • Natural language, including Singlish and shorthand like "ntuc" or "kopi"
  • Replies in seconds with what's left in that category
  • Works in your existing Telegram, so there is nothing new to install
🌿
Bambooonline
kopi + kaya toast $4.20
Food$4.20 Kopi and kaya toastToday so far: $10.70
wah today spend until siao leh
Today you're at $96, about 2.4x your usual day. Dinner plans? A hawker meal keeps you inside the week's Wants budget.
netflix 18.98 monthly
Subscriptions$18.98 NetflixSet as recurring, 3rd of each month
Message Bamboo…

Receipt capture

Snap it. Done in three seconds.

Send a photo of the receipt. Bamboo reads the shop, the date and each line, then sorts the whole thing into the right category.

  • Reads supermarket, restaurant and e-commerce receipts
  • Keeps line items, so you can see what actually drove a bill
  • Flags anything it isn't sure about instead of guessing
SCANNING

Sheng Siong Supermarket

16 Oct 2026 · 7:42 PM

Jasmine Rice 5kg$8.90
Chicken breast 500g$6.20
Eggs 30s$5.50
Milo 1kg$7.90
Total$28.50
✓ Filed under Groceries

Web dashboard

Your month, at a glance.

Open the dashboard when you want the full picture. Category budgets, a daily heatmap and trends, all fed from the chat.

  • Budget bars turn from sage to terracotta as you approach the limit
  • The heatmap shows which days of the month cost you the most
  • Everything you logged in Telegram appears here as soon as you confirm it

October 2026

Spent $1,247
Food and dining$468 / $450
Transport$188 / $200
Groceries$312 / $400
Entertainment$279 / $300
Daily spend, 1 to 28 October

Smart budgeting

The 50/30/20 rule, automated.

Give Bamboo your take-home pay. It splits it into needs, wants and savings, then coaches you to stay inside each bucket.

  • Adjusts the split if your situation differs, such as a mortgage-heavy month
  • Spots the overspend early and suggests a specific fix
50%
NeedsRent, groceries, transport, utilities
$1,900
30%
WantsDining out, entertainment, shopping
$1,140
20%
SavingsInvestments, emergency fund, goals
$760
Insight. Dining is $68 over your Wants budget. Skipping two kopi runs and one Grab dinner balances it by month-end.

Example based on $3,800 monthly take-home.

Groups and couples

Share the bill, not the spreadsheet.

Add Bamboo to a group chat. Everyone logs their own spend, and Bamboo works out who owes whom at the end of the month.

  • Flatmates, couples, family, trip groups
  • One settle-up message with PayNow details ready to send

Woodlands Flat · October

K
Kulver
$612
owed $104
P
Priya
$380
settled
R
Ravi
$452
owes $52
🧾 Settle-up: Ravi owes Kulver $52. Send via PayNow.

AI nudges

A money coach that is always on.

🍽️

Dining budget 92% used

Only $36 left with 11 days to go, about $3.27 a day. A hawker centre week gets you through.

See dining breakdown →
💡

Subscription overlap

Netflix ($18.98) and Disney+ ($11.98) add up to $371 a year. Keep both, or rotate one?

Review subscriptions →
🎯

Savings goal on track

Japan trip fund: $3,240 of $5,000. At this rate you reach it in 3.4 months.

View goal →

Ask anything

"Can I afford it?"

Ask in plain words. Bamboo checks your remaining bills, budgets and savings, then answers with real numbers and a safer option if one exists.

  • A weekly digest every Sunday: what you spent, what changed, what to watch
🌿
Bambooonline
Week of 13 to 19 Oct
$412.50vs $388 last week, up 6.3%
can i afford the new iPhone this month?
Tight, but possible. You have about $340 unallocated. At $1,299 you'd dip $959 into savings and drop your emergency fund to 3.1 months. A 12-month 0% instalment plan protects the buffer.
Message Bamboo…

Built for Singapore

CPF, HDB and Singlish, all native.

Most trackers are built for someone else's country. Bamboo starts from how Singaporeans actually handle money.

CPF OA balance$48,204+$850 this month
HDB loan left$187K14.2 years to clear
Special Account$29,618FRS on track for 2052
Medisave$11,340BHS 77% filled
🗣️

Singlish-fluent. "Wah today spend until siao leh" is understood and flagged as an overspend. Sample figures shown above.

For financial advisers

See what your clients actually spend.

Your clients share a live, read-only dashboard with one toggle. No exports, no screenshots, no guessing before a review meeting.

  • Real monthly breakdown by category, updated as clients log
  • Spot overspending before the client mentions it
  • Clients stay in control and can revoke access any time
$8per client per month
$5per active referral to you
Client · Sarah Tan · October
$4,200TAKE-HOME
$2,847SPENT
32.2%SAVINGS
Food and dining
$820
Shopping
$512
Transport
$340
Insurance
$285
Subscriptions
$89
Shopping is 56% over budget this month. A good conversation starter.

The vision

Singapore first. Southeast Asia next.

2.1M

working adults in Singapore, nearly all on Telegram or WhatsApp

17,000+

licensed financial advisers who could refer clients

680M

people across Southeast Asia with the same provident-fund and mortgage questions

SG
SingaporeCPF, HDB, Singlish, PDPA compliant
Beta Jan 2027
MY
MalaysiaEPF/KWSP, PTPTN, Bahasa and English
Next
ID·PH·IN
Indonesia, Philippines, IndiaSame model, localized systems and languages
Planned

Better data. Better advice.

Free beta for financial advisers and their clients from January to June 2027. Ask the person who invited you for an invite code, then send /start CODE to the Bamboo bot on Telegram.

Open your dashboard See the adviser view
Recommend·Review·Advise