# Allocate AI — Safe to spend, every payday

> Safe to spend, every payday (iPhone/iPad app by Allocate AI LLC.)

- Source: https://appshunter.io/ios/app/allocate-ai/id6808075997 (this page in markdown: same URL + `.md`)
- Developer: [Allocate AI LLC](https://appshunter.io/developer/6808075999)
- Category: Finance
- Price: Free with in-app purchases
- Age rating: 17+
- Requires: iOS 16.4 · 50 MB
- Languages: American English
- Released: 2026-11-03
- Data updated: 2026-11-06

## What is Allocate AI?

Allocate tells you what's safe to spend today — and shows you why.

Connect your bank, card and investment accounts, and Allocate builds a clear picture of your money: what's coming in, what's already spoken for, and what's left for you. No spreadsheets. Your first budget is drafted from your own history on day one.

SAFE TO SPEND
One number for this pay period, with bills and savings already set aside. See what's coming up before payday and what you've spent so far, day by day.

TODAY
A short brief each morning: what changed, what's coming tomorrow, and anything worth a look. Get it as a notification at the time you choose, and keep only the alerts you want.

HOME
All your accounts as cards. Swipe to any account to see its week and its recent transactions. Tap a transaction to rename it, change its category, mark it a need or a want, or leave it out of your totals.

ALLO-BOT
Ask about your money in plain words: "What did I spend on dining the last three months?" "What if I put $200 more toward my house fund?" Allo-Bot answers from your own numbers — the same ones every page shows — and suggests changes you approve before anything happens. 100 messages are included every month. Need more? Add a pack of 25. Bought messages never expire.

EXPENSES AND BUDGET
See where your money goes as needs, wants and savings. Spot subscriptions and price changes. Set your budget's rules once, and Safe to spend follows them.

YOUR PLAN
Goals, savings and what's next, written as a plan you can read and change — this year and the years ahead. Follow your net worth and investments over time.

HOME-SCREEN WIDGET
Keep safe to spend on your home screen. The figure stays hidden until you turn it on with Face ID.

PRIVATE BY DESIGN
• Bank connections run through Plaid. Allocate never sees your bank login, and access is read-only — Allocate can't move money.
• No ads, no tracking, no third-party analytics.
• Your Allo-Bot conversations are never used to train AI models.
• Delete your account and all of your data from inside the app, anytime.

THE PLAN
Try Allocate free for 14 days. After that it's $24.99 a month or $239.99 a year (US prices), and it renews automatically until you cancel. Cancel anytime in your Apple Account settings.

Allocate is for adults 18 and over.

Questions? support@allocateai.io

Terms of Use (EULA): https://app.allocateai.io/terms

Privacy Policy: https://app.allocateai.io/privacy

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| Allocate | $24.99 | per month |
| Allocate | $239.99 | per year |

**One-time purchases**

| Purchase | Price | Type |
| --- | --- | --- |
| 25 Allo-Bot messages | $4.99 | one-time |


## Is Allocate AI safe?

Not enough ratings yet to assess Allocate AI.

## Is Allocate AI legit?

Allocate AI has limited verification signals. The AppsHunter Legitimacy Score for Allocate AI is 58 out of 100 points across 7 verification signals from App Store and developer data.


## Version history (last 3 releases)

### 1.0.2 — 2026-11-05

Allocate now has one simple plan, free for 14 days to start. Your accounts and history stay right where they are.

### 1.0.1 — 2026-11-04

Search from the top of every screen, with results that understand dates like "last week" and "in October".
Charge details now show the merchant's logo, where the card was used, and the day you bought versus the day it posted.
Notifications: set your own alerts and reminders, and see what's new since you last looked.
Fixes a crash when turning through your account cards on Home.

### 1.0.0 — 2026-11-03

No release notes.

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-11-06.*