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MonAi

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AI expense-tracker app for iOS and Android that logs spending by voice, plain text or Apple Pay automation.

What it does

MonAi is a mobile expense-tracking app for iOS and Android. Users log expenses by speaking naturally, typing in plain language, or automating entries via Apple Pay and Apple Shortcuts. It offers an AI chat for financial insights, shared lists, multi-currency support, budgets and recurring transactions. It is free to download with an optional premium subscription.

How to use: Enter your expenses just like a voice message. The AI will automatically split your input into a description, amount, and category. Confirm and save. No login is required, and data is stored securely in your personal iCloud.

Core features

Voice input with natural-language processing
Plain-text expense entry with auto-categorization
Apple Pay and Shortcuts automation
AI chat for financial questions and insights
Shared expense lists for couples/groups
Budgets, multi-currency and recurring transactions

Best for

Tracking daily spending effortlessly
Automatically logging card payments
Splitting shared expenses with a partner
Asking questions about personal finances
Toolspool rankingby monthly traffic

Reviews

Big-picture takes: what it's for and whether it delivers. High-engagement YouTube videos — not sponsored.

Tutorials

Step-by-step: exactly how to get things done with it.