AI Money

AI Money is a personal finance app that uses artificial intelligence to make expense tracking effortless. Instead of manually entering each transaction, you can send a text, a voice note, or a photo of a receipt to Denis (the built-in AI assistant) and it logs the expense for you. The app also works as a WhatsApp bot, so you can message your spending on the go. It supports over 50 currencies, works offline, and never asks for your bank login — your data stays on your phone unless you choose cloud backup.

What makes AI Money stand out is the variety of ways to capture expenses. You can snap a receipt and the AI extracts the amount, merchant, and date. You can speak a transaction out loud and Denis turns it into a categorized entry. For Android and Apple Pay users, the Pro plan can automatically read bank SMS or Apple Pay purchases. The app also includes shared pots for couples, debt payoff tracking, savings goals, and subscription detection. The AI assistant can answer questions about your spending habits and offer personalized financial advice using reasoning models.

This app is best for anyone tired of manual expense tracking — whether you're an individual who wants to stop wondering where money goes, a couple managing shared expenses, or someone looking for a private, offline-friendly alternative to bank-linked budgeting tools. It's free to start with no credit card required, and Pro unlocks advanced automation and backup features.