MonAi

MonAi is an AI-powered expense tracking app for iOS and Android built around natural, low-friction input. Users log spending by speaking as if leaving a voice message, typing a plain-language sentence, or letting the app prompt them automatically after an Apple Pay purchase; the AI parses the amount, date, and category from that input. On iOS, MonAi connects to Apple Shortcuts so any trigger can create an expense entry automatically. An AI chat feature answers questions about spending patterns, and shared lists let partners or groups split expenses together, with Apple Family Sharing covering up to six people. Budgets are tracked with visual progress bars by category, and the app supports multiple currencies and home screen widgets for quick access. MonAi requires no login and stores data in the user's own private iCloud account rather than a company server, which the developer positions as a privacy advantage. The app is free to download and try, then moves to a monthly or yearly subscription. It targets people who want simple expense tracking without complex dashboards, though its deepest automation features, like Apple Shortcuts and iCloud sync, are tied closely to the Apple ecosystem.