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AI Money features
The seven ways an expense gets into AI Money, how it tracks your investments, what the free plan allows and which platform each one runs on.
AI Money records your spending through seven different routes, and all of them end up in the same list of movements. You can send it a WhatsApp message, dictate a voice note, photograph the receipt, type it by hand, or let the app read your bank’s alert SMS on its own. Because entries do not depend on a bank reporting them, cash gets recorded too, and it works with any bank in any country. Next to your spending, the app also keeps your investments: stocks, ETFs and crypto with up-to-date prices, plus CDs, funds and real estate in the same portfolio. Here is each route, which platform it runs on, and what the free plan allows.
How does an expense get into AI Money?
The difference between an expense app people keep using and one they abandon is almost never the reports. It is what it costs to log the bakery run before you forget it. That is why there are seven doors instead of one, and why everybody settles on a different one.
| How you log it | What you do | Where it works | Free plan |
|---|---|---|---|
| WhatsApp message | You write “lunch 12 bucks” to the bot | iPhone, iPad, Mac and Android | 2 entries a day |
| Voice note on WhatsApp | You dictate it in an audio of up to 30 seconds | iPhone, iPad, Mac and Android | Inside the 2 daily entries |
| Receipt photo on WhatsApp | You photograph the bill and send it | iPhone, iPad, Mac and Android | 10 images a day |
| Receipt scan inside the app | You point the camera at the bill | iPhone, iPad and Android | 2 a month |
| Dictation inside the app | You speak and the phone transcribes | iPhone, iPad and Android | Included |
| Bank alert SMS | Nothing: the app reads the bank’s message | Android only | Pro feature |
| Apple Pay purchase | Nothing, after setting up an iOS Shortcut once | iPhone only | Pro feature |
Typing the movement by hand inside the app is the eighth route, and it is unlimited on the free plan. So are categories and budgets.
Every feature, explained
- Track expenses on WhatsApp How to link your number in a minute, what the AI understands from a message like “groceries 84.20 at Trader Joe’s”, how to fix the category from the chat itself, and what data the bot receives. It is the most used channel in the app by a wide margin.
- Log expenses from a receipt photo Which of the numbers on a ticket is the one you paid, what the scanner pulls out besides the total, how invoices and transfer vouchers are treated, and how many receipts the free plan reads.
- AI Money on iPad What changes in the layout on the tablet, which ways of logging work there, how it syncs with the iPhone and the Mac, and what the free plan includes on iPad.
- Track expenses without linking your bank Why the app never asks for bank credentials, where the ledger is stored, exactly what leaves the phone and when, how it compares with bank-linked and manual-only apps, and how to delete everything.
- Track your investments next to your spending Which investments you can add (stocks, ETFs, crypto, CDs, funds, real estate), how each price gets updated, how your real gain is worked out with contributions, and how many the free plan tracks.
- Use AI Money from Claude or ChatGPT How to connect it in a few minutes, what your assistant can see and what it never sees, which changes it makes on its own and which ones the app asks you to confirm, and which plans it works with.
Can you track your investments in AI Money too?
Yes. Next to your spending, AI Money keeps a portfolio of your stocks, ETFs, crypto, funds, CDs and real estate. Crypto is priced every hour and stocks and ETFs at each day’s close, and every contribution to a platform is recorded as a transfer from your account rather than an expense, so your budget still adds up. Free and Pro include up to 3 investments and 3 contributions, and Elite removes the limit; the details are on the investment tracker app page.
| Investment | How it updates |
|---|---|
| Crypto (the 250 largest by market cap) | Automatically, every hour |
| Stocks and ETFs (more than 1,000 on exchanges in the US, Europe, the UK, Brazil, Mexico, Japan and others) | Automatically, at each day’s closing price |
| CDs, other fixed-term deposits and bonds | Grow with their rate until maturity |
| Funds, real estate, cash at a platform and anything else | The value you enter |
For each investment you note the platform it sits on (more than 170 to choose from, or type your own), what you have put in, and your buys, sells and dividends, and the app works out units, average cost and your real gain: what it is worth today, minus what it was worth at the start, minus what you contributed, plus what you took out. AI Money isn’t a broker: it doesn’t buy or sell, and today it doesn’t connect to your brokerage account, so it doesn’t ask for your username or password. The step-by-step method is in the guide how to track your investments.
What does the app do with expenses once they are in?
Everything that comes in lands in the same ledger, whichever door it arrived through. Out of that come per-category budgets, savings pockets with goals, debt tracking with real interest accrual, reports with charts, and exports to Excel, CSV and PDF. Denis, the app’s assistant, answers questions about your own numbers: where the month went, how much you have spent on restaurants, which category blew up. With Elite, Denis also does what you ask, on WhatsApp too: it sets up a budget, creates a savings goal or schedules a recurring payment, with up to 100 WhatsApp requests a month.
Your history is stored on the phone, in a local database. Cloud backup and multi-device sync exist as a switch in Settings and are part of Pro, so if you never turn it on, your movements never leave the device.
Do you have to connect a bank for it to work?
You do not, and the app will not ask for your online banking credentials. Expenses arrive because you send, dictate, photograph or type them, and on Android because the app reads the alert SMS your bank already sends you.
That has one practical consequence you notice from day one: cash gets recorded, and cash is precisely what a bank-linked app cannot see, which matters a great deal in countries where much of everyday spending never touches a card. It also works with any bank in any country, with no supported-institution list to fall outside of.
Which platforms and languages does it run on?
AI Money runs on iPhone and iPad from iOS 15, on Mac from macOS 12 and on Android from version 7, and one purchase covers iPhone, iPad and Mac. The interface is available in English, Spanish, Brazilian Portuguese, French, German and Japanese, and the WhatsApp bot answers in those same six languages. There are home screen widgets on both platforms, and a currency converter that is free for everyone.
Frequently asked questions about AI Money features
Log transactions by hand without any limit, create as many categories and budgets as you want, scan 2 receipts a month, dictate expenses, track up to 3 investments and use the currency converter, with no card and no trial that expires. Through WhatsApp, the free plan allows 2 entries a day and 10 images a day. AI Money Pro removes those caps and adds automatic bank-SMS reading on Android and Apple Pay capture on iPhone.
You do not, and the app never asks for online banking credentials either. Expenses come in because you send them through WhatsApp, dictate them, photograph the receipt or type them by hand, and on Android because the app reads the alert SMS your bank sends. The consequence is that cash gets recorded too, and that it works with any bank in any country without depending on a list of supported institutions.
On your phone, in a local database. Cloud backup and syncing across several devices are a switch in Settings that is part of Pro: if you never turn it on, your list of movements is not copied to any server. What does leave the phone is the content of a message, a receipt photo or a question to the assistant, because an AI model is needed to interpret them, and that is disclosed in the privacy policy.
iPhone and iPad on iOS 15 or later, Mac on macOS 12 or later, and Android 7 or later; one purchase covers iPhone, iPad and Mac. There are home screen widgets on both platforms. Some ways of logging depend on the system: bank SMS reading and payment-notification capture exist only on Android, and Apple Pay capture through a Shortcut only on iPhone.
Yes. Each currency stays in its own world and amounts are not converted on their own, so an expense in dollars still reads in dollars. A switch in the app turns on a converted view when you want to see everything together in your main currency. There is also a separate currency converter, free for everyone, that does not touch your list of movements.
No. It is not a bank, a wallet or a payment app: it records money that has already moved and never moves money itself. It does not cancel subscriptions on your behalf either, although it does track them with their renewal dates so you can decide. The interest figures it calculates for debts and savings are shown in the app as estimates.
Yes. You record your stocks, ETFs, crypto, funds, CDs and real estate on the platform where you hold them, and the app shows what your portfolio is worth today and what you really gained once your contributions are taken out. Crypto updates every hour and stocks and ETFs at each day’s close; funds and real estate carry the value you enter. Each contribution is recorded as a transfer, not an expense, so your budget still adds up. AI Money isn’t a broker and today doesn’t connect to your brokerage account. Free and Pro include up to 3 investments and 3 contributions; Elite has no limit.
Yes, with the Elite plan. You connect AI Money to Claude or ChatGPT from Settings › AI assistants and then ask that assistant how your month is going, how much is left in a budget or which payments are coming up, or have it log an expense for you. It reads a summary your phone prepares, not your bank, and anything that moves money or deletes something waits for your confirmation in the app. It works with Claude on every plan, the free one included; in ChatGPT it depends on the plan: OpenAI currently lets connectors write on Business, Enterprise and Edu, and Pro is read-only.
Keep reading
- Investment tracker app: stocks, ETFs, crypto and CDs
- How to track your investments, step by step
- How to use Claude for personal finance
- Personal finance prompts for Claude and ChatGPT
- Track expenses without linking your bank
- AI Money on iPad
- Track expenses on WhatsApp, step by step
- Best budgeting apps, with verified prices
- Free financial calculators, no sign-up
- The AI Money blog
- Consumer Financial Protection Bureau, consumer tools
AI Money
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Updated October 5, 2026
