How does the voice input work?

You can speak to MonAI like you are sending a voice message. For example, saying 'I just spent $20 on lunch' will prompt the AI to extract the amount, item, and category automatically.

Is my financial data secure?

Yes. MonAI is designed with privacy in mind. On iOS, data is stored in your personal iCloud via CloudKit. For Android, it stays on your device. The developer does not have access to your transaction data.

Can I automate tracking from my bank?

MonAI supports automation via Apple Shortcuts, Apple Pay notifications, and bank SMS/email triggers to log expenses without you having to open the app.

Does it support multiple currencies?

Yes, MonAI can automatically convert foreign currency transactions to your base currency, which is especially useful for travelers.

Can I export my data?

Yes, MonAI allows you to export your transaction data as a CSV file for use in other spreadsheet or accounting software.

Does it require a login?

No login is required for standard use. If you want to sync data across different platforms (iOS and Android), you can create an optional MonAI account.

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Expense tracking

Freemium

MonAI

Track and categorize expenses effortlessly using voice input and AI. MonAI automates logging with Apple/Google Pay integration and provides smart budgeting insights with total privacy.

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Rating

Reviews

Upvotes

4 months ago

Listed

Expense tracking

Personal Finance

Budgeting

AI Voice Assistant

Financial Planning

Receipt Scanner

Money Management

Automation

Tool information

Provider

Florian Vates

Platforms

iOS

Android

macOS

visionOS

Languages

English

Spanish

German

Added to directory

4 months ago

Last updated

3 months ago

Rating

Not available

Pricing

Freemium

About MonAI

What the tool does and who it's for

MonAI is an AI-powered financial assistant that simplifies expense tracking through natural language processing. Users can log expenses by speaking to the app like a voice message or by typing naturally, which the AI then automatically categorizes and splits. It features deep integration with mobile ecosystems, offering Apple Pay and Google Pay automation that logs transactions the moment they occur. MonAI emphasizes privacy by using personal iCloud storage (for iOS) or local storage, avoiding the need for traditional account logins unless users opt for cross-platform syncing. The app also includes advanced budgeting tools, visual progress bars, shared lists for couples or families, and the ability to extract data from receipts or bank SMS notifications.

Key capabilities

Voice-to-Transaction: Log expenses by speaking naturally to the AI assistant.

Apple Pay & Google Pay Automation: Automatically logs transactions instantly after a payment tap.

Smart Categorization: AI intelligently detects amounts, descriptions, and categories without manual entry.

Privacy-First Storage: Data is stored in your personal iCloud or locally, not on developer servers.

Shared Lists: Sync and manage expenses with family members or partners while keeping some lists private.

Receipt & Screenshot OCR: Extract transaction details from photos or purchase confirmation screenshots.

Budgeting & Widgets: Set category-specific budgets with visual progress bars and Home Screen widgets.

Multi-Currency Support: Automatically converts foreign currency expenses to your base currency.

Pricing

Freemium — plans below

Free Tier

Free

Maximum 20 transactions per month
1 private list
1 shared list
History limited to current month

Basic Tier

Family Tier

Subscription required

All Basic features
Family Sharing enabled
Share subscription with family iCloud group

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