Expense Tracker & Home Budget

Secure, private, and automated finance management. Track spending, automate bills, and share household budgets via iCloud with zero developer access to your data.

Welcome to mnAI Expense Tracker, your private financial architect.

Take control of your money with a secure, automated, and intelligent finance manager built exclusively for the Apple ecosystem. Whether you are tracking personal daily expenses, managing a household budget with a partner, or analyzing your net worth, mnAI provides a complete financial picture without ever compromising your privacy.

THE SECURITY FORTRESS: ZERO DEVELOPER ACCESS

We believe your financial data is strictly yours. mnAI uses Apple’s native CloudKit infrastructure to sync your data directly to your personal iCloud. We do not have our own servers, we do not use third-party analytics, and we do not sell your data. We literally cannot see your transactions.

FLEXIBLE WORKSPACES (PERSONAL & SHARED)

Keep your financial life cleanly separated. Use your default Personal Workspace for private tracking, and create Shared Workspaces to collaborate with family members or housemates. Changes in a shared workspace sync instantly across everyone's devices.

AUTOMATED FINANCIAL ENGINES

Stop logging the same transactions over and over. • Recurring Bills: Set up your subscriptions, utilities, and rent once. mnAI automatically generates the transactions on their exact due dates. • Self-Spawning Budgets: Create a budget, and it will automatically reset on the 1st of every month. You can even enable "Carry-Forward" to roll unspent money into the next month!

COMPREHENSIVE CORE TRACKING

• Log Income, Expenses, and internal Transfers (perfect for tracking credit card payments without messing up your expense totals). • Create unlimited custom Accounts (Checking, Savings, Credit Cards, Cash). • Organize your spending with two-tier custom Category Groups and Categories. • Attach photo receipts and custom tags to any transaction.

INTELLIGENCE & ANALYTICS

• Real-Time Dashboard: Instantly view your total net worth, monthly cash flow, and top spending categories. • Monthly Reports: Dive into historical breakdowns with beautiful, interactive charts. • Budget Analysis: Track your performance over time to see where you consistently overspend or save. • Local AI Insights: Get automated, on-device anomaly detection, spending pattern insights, and cash flow forecasts.

MULTI-DEVICE SYNC

Available across iPhone, iPad, and Mac. Enter a transaction on your phone and watch it appear on your Mac in seconds.

FREE VS. PREMIUM

mnAI’s core tracking features are completely free to use on a single device, with data stored securely offline. Upgrade to our premium plans (available as Monthly, Yearly, or one-time Lifetime purchases) to unlock: • Single Sync: Seamless iCloud backup and multi-device sync for your Personal Workspace. • Family Sharing: Everything in Single Sync, plus the ability to create Shared Workspaces and invite other Apple users to collaborate in real-time.

Download mnAI Expense Tracker today and build your financial future—securely, privately, and automatically.