The #1 Personal Finance App & FREE AI Expenses and Investments Tracker

Open Settings in the app, choose WhatsApp, and you get a six-character code that is valid for five minutes; send that code to the AI Money bot from the number you want to link — sending it from that phone is what verifies it. After that, just message the bot: type “lunch 12”, send a voice note, or photograph a receipt. What you send goes to our servers and on to OpenAI, which extracts the amount, merchant, date and category, and the entry appears the next time you open the app. Linking is free but needs a signed-in account.

The free plan logs two transactions a day through the WhatsApp bot, counted in your own timezone, and Pro removes that limit. Free also caps voice notes sent to the bot at 30 seconds and the total messages it will process at 60 a day. Linking your number costs nothing and does not require Pro, and inside the app the free plan keeps manual transactions, categories and budgets unlimited — the cap applies only to what the bot logs for you.

Yes — say something like “twelve dollars on coffee” and AI Money turns it into a categorized transaction. The two ways of doing it differ, and the difference matters: with the microphone inside the app, your phone’s own iOS or Android speech recognizer converts the audio to text and only that text is sent on, so the recording never leaves your device. A voice note sent to the WhatsApp bot does travel — through WhatsApp to our servers and on to OpenAI, which transcribes it. Voice works in English, Spanish, Portuguese and Japanese.

Yes, with Pro and a one-time setup. You install the “Save Transaction to AI Money” Apple Shortcut and add a Wallet automation, so each Apple Pay purchase passes the amount and the card used into the app, where the merchant name is categorized. It is not a bank connection — the payment details come from Wallet on your own phone. Because it runs on Apple’s Shortcuts automation, an entry can occasionally wait until you next open the app, and payments that arrive without a merchant name are saved as “Apple Pay” for you to rename.

No — the free plan is a permanent tier, not a countdown. There is no card to enter and it does not expire. It includes unlimited manual transactions, unlimited categories and unlimited budgets, your full history, up to three savings pockets and three debts, and exports to Excel, PDF and CSV for the last 7 days or the current month. It is ad-supported. Pro is a separate auto-renewing monthly or annual subscription billed by the App Store or Google Play and cancellable there at any time.

AI Money is a free-tier alternative that takes the opposite approach to a bank feed: it never links to your bank, so there is no Plaid connection, no bank password and no aggregator to break — and no US-only bank list, because it works from the alerts and messages you already receive. The free plan covers unlimited manual transactions, categories and budgets, accounts and transfers, three savings pockets, three debts, and Excel, PDF and CSV export for the last 7 days or the current month. The trade-offs are ads and daily capture limits.

Yes — the core of AI Money works with no connection at all, and you can start using it without creating an account. Transactions, accounts, budgets, savings pockets, debts, charts and exports all live in a local database on your phone. What needs internet is anything AI — the chat assistant, voice and receipt extraction, SMS and Apple Pay capture — plus the WhatsApp bot, cloud backup, fresh exchange rates and the prices of your investments. As a guest there is no cloud backup, so your data stays on that one device until you sign in.

Yes — in AI Money each account holds its own currency, chosen when you create it, and every transaction is stored in that currency, with exchange rates updated daily. If you paid in a different currency, the original amount is kept alongside. Your main currency acts as a lens: one switch converts every screen into it, although changing your main currency does not reconvert past entries. The free plan covers your main currency and your home country’s; foreign-currency accounts and secondary-currency views are Pro.

Yes. You enter the amount, the rate, the opening date and the maturity date, and AI Money works out the CD’s value day by day until it matures; after that it stops growing. The rate can be an annual effective rate (the APY your bank quotes), a nominal annual rate or a monthly rate. A $10,000 CD at 4.00% APY is worth about $10,400 after one year. That’s the gross value, before taxes, and AI Money can also project the CD forward with its rate.

Only what you ask it to read. A receipt photo, a voice transcript, a whitelisted bank SMS or a WhatsApp message travels over an encrypted connection to our servers and on to OpenAI, which extracts the amount, merchant and date and sends back the transaction. AI Money does not keep the photo or build a receipt archive — what it stores is the entry. Your ledger itself lives in a local database on your phone; the exceptions are entries logged through WhatsApp, which are created on our servers first, and optional Pro cloud backup.

You create a shared space, invite your partner, and the two of you fund a common pot that pays for what you share — rent, groceries, the bills. Both of you see the pot’s balance, every movement in it and how much each of you has put in. It is a shared record, not a joint bank account: AI Money never holds or moves real money, and a space is for two people. It needs Pro.

No. Only the shared pot crosses over — its balance, and for each movement the amount, the date, a title and who made it. Your own accounts, your balances and every transaction you did not put in the pot stay on your phone and are never sent to the space, including the account a contribution came out of. That is the whole design: you share what you decide to share, and nothing else.

Pro is $3.99 a month or $32.99 a year on the US App Store (prices as of October 2, 2026), billed by the store and cancellable there at any time; other countries see their local price. Pro removes ads and unlocks automatic capture from bank SMS and Apple Pay, unlimited WhatsApp logging, cloud backup and sync, unlimited savings pockets and debts, foreign-currency accounts, and exports for any date range. Elite, at $9.99 a month or $79.99 a year on the same store, includes everything in Pro and removes the limit of 3 investments and 3 contributions, so you can track your whole portfolio. It also brings Denis to WhatsApp: you text the bot to set up a budget, a savings goal, a subscription, a recurring payment or an account, and it all shows up in the app when you open it, up to 100 requests a month. The free plan stays free, with no card required.

Nothing is deleted from your phone. Your transactions, accounts, budgets, savings pockets and debts live in a local database and stay exactly as they are — you simply go back to the free plan’s limits and ads, and can’t create new pockets or debts past three. Cloud sync pauses, and the copy held in the cloud is kept for around six months before it is removed. Anything logged through WhatsApp is preserved.

You can delete your account from Settings inside the app, and there is also a deletion page on this site. Deleting removes your profile and what we hold on our servers, including cloud backups. The ledger on your phone belongs to the app, so export a backup file first if you want to keep a copy of your history. Deleting the account does not cancel a subscription — do that in the App Store or Google Play.