SiteList review score
Strong usability and technical foundations support expense tracking. Add public help, clearer review methodology, and stronger financial trust signals.
Reviewed on Sep 4, 2026
Ai-money
ai-money.app
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Claim itWhat it does
AI Money is a personal finance and expense tracking app for iOS, iPadOS, macOS, and Android that logs spending via manual entry, voice notes, receipt photos, a WhatsApp bot, or bank SMS alerts without requiring bank logins.
Two ratings
Verified user rating
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No verified reviews yet — the evidence locker is empty.
Screenshots
Captured during our latest review on Sep 4, 2026
Pricing details
Free tier available; Pro subscription billed monthly or annually via App Store or Google Play. No explicit USD pricing captured.
| Plan | Price | Details |
|---|---|---|
| Free | $0 monthly per account | Unlimited manual transactions, categories, budgets, accounts, transfers, three savings pockets, three debts, and exports for the last 7 days or current month. Ad-supported. WhatsApp bot limited to 2 transactions/day · Voice notes capped at 30 seconds · Bot message limit of 60/day View source |
Key features
WhatsApp Expense Tracker Bot
logging
Logs expenses by sending text, voice notes, or receipt photos to a dedicated WhatsApp bot.
AI Receipt Scanner
logging
Extracts data from receipt photos to automatically update the budget tracker.
Debt Payoff Tracker
budgeting
Tracks loans, credit cards, and installments with estimated payoff dates.
Multi-Currency Support
budgeting
Supports over 50 currencies for tracking expenses globally.
Who it’s for
Couple Budgeting
Allows couples to fund a shared pot while keeping personal accounts and transactions private.
Debt Management
Consolidates loans, credit cards, and installments with estimated payoff dates.
Integrations
OpenAI
developer tools
Used for AI processing of transaction data, receipts, and voice notes to extract amounts, merchants, and categories.
WhatsApp
communication
Dedicated bot used to log expenses via text, voice notes, or receipt photos.
Buyer questions
Questions buyers actually ask
Is this AI budget tracker completely free?
Yes, it offers a comprehensive free plan with unlimited transactions and reports, supported by ads.
Do I have to connect my bank account or use Plaid to use AI Money?
No, it never connects to a bank or uses Plaid; spending is captured via manual entry, WhatsApp, voice, receipts, or SMS alerts.
Is the free plan a free trial that starts charging me later?
No, the free plan is permanent with no card required, while Pro is a separate auto-renewing subscription.
Product FAQ information · View source
The expert review
Ai-money scores 74/100, with strong usability, solid technical SEO, and good homepage performance. Its most material weaknesses are thin self-serve help, weak review-content integrity, and financial-trust gaps that need clearer evidence and guidance.
74/100: useful product, trust and self-serve gaps
Verified user reviews
0 verifiedNo reviews yet. The evidence locker is empty.
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Reviews are from the SiteList community. Some reviewers received incentives — disclosed in the review, always. The verdict is never for sale.
Scores across 13 dimensions
Brand & experience
Performance
Content & editorial
Trust & decision surfaces
Search & discoverability
Docs & measurement
- Domain
- ai-money.app
- Category
- Expense management
- Pricing
- Freemium · $0/mo
- Platforms
- ios, android, desktop
- Founded
- 2026
- Last checked
- Sep 4, 2026
- Public dimensions
- 13
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