AI Money

AI Money is a mobile personal finance app with an AI assistant named Denis that logs expenses from WhatsApp messages, voice notes and receipt photos. It also covers budgets, debts, savings goals and investments without needing a bank login.

AI Money is a mobile personal finance app that brings expense tracking, budgeting, debt payoff, savings goals and an investment portfolio into one ledger. Its central feature is an assistant named Denis. Users send a typed message, a voice note or a photo of a receipt, including through WhatsApp, and the app turns it into a categorized transaction. The same assistant can be asked about the user's own records, for example where money went this month, and it offers a reasoning mode for more complex questions about savings plans. The app takes a different route from bank-linked aggregators. It never asks for online banking credentials, so users add the cash, card and bank accounts they already have. The ledger is kept on the phone, works without a connection, and is copied to the cloud only if backup is switched on. A paid Pro tier adds reading Android bank alerts or Apple Pay purchases on iPhone, importing bank statements from CSV or Excel, multi-device sync and a shared pot for couples who keep separate accounts. An Elite tier adds a connection to Claude or ChatGPT, so spending can be logged and reviewed from those assistants in plain sentences. Beyond day-to-day logging, the product covers monthly category budgets with overspend alerts, pockets that split an account into savings goals, and a debt view with an estimated payoff date for loans, cards and instalments. A subscription finder flags recurring charges in logged expenses and waits for confirmation before counting them. Accounts can be held in more than 50 currencies with daily exchange rates, which suits travellers, expats and remote workers. Stocks, ETFs, crypto and CDs sit next to spending in a portfolio with automatic price updates. Among alternatives, AI Money suits people who want low-effort capture and privacy more than automatic bank feeds. Anyone who expects transactions to import by themselves from every bank will need to rely on messages, photos or Pro features instead. The core tools are described as free, with paid tiers for the automation extras.