Montrai: AI Budget & Expense

See your whole financial picture in one calm place. Say "Coffee, five dollars" and it's logged. Know what you'll have left at month end — before the month ends.

Montrai is a calm, private place to see your whole financial picture — what you spent, what's left, and what you're building toward.

LOG IT IN SECONDS Say "Coffee, five dollars" and Montrai's assistant drafts the transaction for you to confirm. Type it, log several at once, or add it by hand. Nothing is ever saved until you approve it.

KNOW WHAT'S LEFT The dashboard leads with the number that actually matters: what you're on track to have left at month end. Budget pace shows whether you're ahead or behind for where you are in the month — not just a bar that fills up and shames you on the 20th.

SEE THE WHOLE PICTURE Balances, debts, savings goals and recurring subscriptions in one wealth view, so net worth stops being something you guess at.

GROW TOWARD WHAT MATTERS Set savings goals, watch progress build, and keep a streak going with gentle check-ins. Reminders are optional and never required.

BRING YOUR DATA IN — AND TAKE IT OUT Import spreadsheets (.xlsx, .xls, .csv) or Montrai Markdown files. Export a formatted Excel or Markdown report, or download a complete raw JSON copy of your records at any time, free.

SHARE A SPACE Track a household or a shared trip with people you invite. Everyone sees the same numbers.

ON YOUR HOME SCREEN A widget keeps today's spending a glance away, and Live Activities keep an in-progress session in view.

PRIVATE BY DEFAULT Lock Montrai behind Face ID. Your financial records sync encrypted in transit and are never sold. Analytics record which features you used — never an amount, a balance, a merchant, or a note. Delete your account and its data from inside the app, any time.

FIVE LANGUAGES English, Spanish, French, Hindi and Chinese.

Montrai is free. There are no subscriptions and no paywalled features. Optional rewarded ads unlock formatted report exports; your free raw data export never requires one.

A note on what Montrai is not: it does not connect to your bank and does not read your accounts. You stay in control of what goes in — by voice, by import, or by hand. Montrai is a personal budgeting tool and does not provide investment or financial advice.