AI MoneyPal

Track expenses by chatting, upload receipts, and keep your ledger private with your own AI key, multi-currency budgets, iCloud sync, and App Lock.

AI MoneyPal is a private, AI-assisted ledger for people who want a simple way to track money without giving up control of their data.

Record expenses and income naturally in Chat, attach receipt photos, manage multiple currencies, track budgets, monitor recurring bills, and review your spending with clear statistics.

Key features:

• Chat-based bookkeeping Tell AI MoneyPal what happened in plain language, such as “Lunch 15, Uber 18, paid by credit card.” It can save entries automatically and help you correct them through conversation.

• Receipt attachments Upload receipt photos from your camera or photo library and keep them linked to your ledger entries.

• Bring your own AI key Use your own OpenAI-compatible model provider. Your API key is stored securely in Keychain, and AI requests go directly to the provider you choose.

• Multi-currency ledger Track accounts and transactions in different currencies, set favorite currencies, and manage exchange rates when converting money.

• Budgets and recurring bills Create flexible budgets, track progress, and manage subscriptions or other recurring expenses.

• Accounts, transfers, and balances Manage cash, cards, bank accounts, transfers, opening balances, and account activity in one place.

• Statistics and insights Review spending trends, cash flow, category rankings, merchant rankings, calendar views, and budget progress.

• Import and export Export your ledger as JSON or CSV, and use encrypted backups for sensitive copies.

• Privacy-first design Your ledger is stored locally by default. Optional iCloud sync uses your own private iCloud account. AI MoneyPal does not require an account from us to use core bookkeeping features.

AI MoneyPal Pro is a one-time unlock for advanced convenience features, including multiple AI provider profiles, fallback AI, iCloud sync, receipt uploads, and App Lock. AI API usage fees from your chosen model provider are not included.