Introducing SEMT: Smart Expense Manager and Tracker

SEMT is the newest product under Kreets, and it's the same idea as everything else here applied to a different problem: spending too much time on a spreadsheet to answer a question that should take five seconds — where did my money actually go this month?

What it does

SEMT is a mobile app for logging, categorizing, and understanding every expense, without needing a login form or a manual before you can add your first transaction. The whole thing is built around a few ideas:

• Sign in with Google, or skip it entirely — a guest mode gets you tracking expenses immediately.

• 15+ categories and accounts out of the box — Income, Petrol, Home Care, and more, plus the option to add your own.

• To Get & To Pay — a simple way to track money owed to you and money you owe others, instead of trying to remember it.

• Dashboards and reports — filtered by timeframe, so you can see a pattern instead of scrolling a list.

• Cross-device sync — your data follows you even if you sign out and back in on a different device.

As of writing, SEMT has logged over 50,000 expenses across its users — small next to a venture-scale product, but real usage from real people managing real money, which was the actual goal.

Getting started

1. Open the app and choose Google sign-in or continue as a guest.

2. Set up the accounts you actually use — cash, a couple of bank accounts, whatever matches reality.

3. Log an expense as it happens, categorizing it as you go.

4. Check the dashboard when you want the picture, not the spreadsheet.

The best expense tracker is the one you actually open. Everything in SEMT is built around removing friction from that first step, even if it means leaving other features out.

If you want to see SEMT for yourself, it's live at semt.app.kreets.com.