SpendCycle helps parents capture everyday child expenses, automatically classify them, and reimburse themselves from custodial investment accounts.
Snap a receipt. Our agents handle the rest.
From a photo on your phone to a settled custodial transaction — completely automated.
Snap a photo of any qualifying child expense and upload it to SpendCycle.
Three AI agents classify the expense, verify compliance with custodial rules, and determine how to fund the reimbursement.
Your custodial ledger, portfolio, and reimbursement account are updated automatically. No spreadsheets. No manual entries.
Parents want to invest for their children, but today's tools are fragmented. SpendCycle unifies everything into one automated system.
Automated UTMA investment accounts that grow while you spend
Every receipt captured, classified, and stored for a complete financial record
Automated transfers from custodial accounts to reimburse qualifying expenses
Teach children about investing, saving, and smart spending from day one
AI reads your receipt photos and creates structured financial entries instantly. No manual data entry, ever.
SpendCycle ensures every reimbursement follows IRS Kiddie Tax rules and custodial account guidelines — automatically.
The system automatically determines the best way to fund reimbursements from your custodial account — cash or portfolio.
Prebuilt portfolio options designed around risk tolerance, time horizon, and expected spending needs. Learn more →
Start with Receipt Pilot today. Expand into multi-account and investing workflows as SpendCycle grows.
Receipt Pilot for one custodial account. Upload a receipt, let AI create the reimbursement, and track it from intake through disbursed.
Receipt and reimbursement management for multiple children. For families managing several custodial accounts in one place.
Add portfolio automation to the workflow. For families who want custodial investing and portfolio-linked reimbursement flows.
Full family-level investing and reimbursement automation. For households managing multiple child accounts with a complete wealth workflow.
Only SpendCycle Starter is available in the current MVP release. Additional accounting and investing tiers are planned for future phases. Cancel anytime — see our Terms of Service for full details.
SpendCycle Starter is available now at $6/month. Create your account, connect a custodial account, and let Receipt Pilot handle the rest.
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