# Bili: AI Money Coach — Spending Analysis, Budget tips > Financial app that visualizes the investment potential of spending. (iPhone/iPad app by Mindshare Club, LLC.) - Source: https://appshunter.io/ios/app/bili-ai-money-coach/id6749036589 (this page in markdown: same URL + `.md`) - Developer: [Mindshare Club, LLC](https://appshunter.io/developer/1810557967) - Category: Lifestyle, Finance - Price: Free with in-app purchases - Rating: 5.00/5 from 2 App Store ratings · 2 written reviews indexed - Age rating: 12+ - Requires: iOS 18.5 · 144 MB - Languages: American English, Arabic, French (France), German (Germany), Hindi, Japanese, Korean, Brazilian Portuguese, Chinese (Simplified, China), European Spanish - Released: 2025-07-25 - Data updated: 2026-09-03 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/bili-ai-money-coach/id6749036589/reviews.md ## What is Bili? Every unnecessary dollar you spend is a dollar that could have been invested in your future. Bili is an AI-powered financial wellness app built for people who want to spend smarter, understand where their money goes, and build lasting wealth habits—not just track transactions in a spreadsheet. THE QUESTION THAT CHANGES EVERYTHING Before your next impulse buy, ask yourself: Was it worth it? Bili doesn't just show what you spent. It shows what that money could have become—using the Opportunity Cost of every unnecessary purchase, calculated against historical market returns. That $14 coffee run? See its real price tag over 10, 20, or 30 years. YOUR AI FINANCIAL ADVISOR Chat with an Advisor that knows your full financial picture—spending, goals, debt, cash flow, and more. Ask anything: - "How much did I spend eating out this month?" - "Am I on track for my goals?" - "Where am I wasting money?" Get interactive insights right in the conversation: spending breakdowns, weekly reports, Financial Health Score updates, and Worth It? calculators—without leaving the chat. SMART SPENDING ANALYSIS Securely connect your bank accounts (powered by Plaid) and let AI analyze every transaction: - Automatic necessary vs. unnecessary tagging - Category breakdowns and spending trends - Subscription and recurring charge detection - Monthly and yearly opportunity-cost totals - Edit, override, or add transactions manually anytime FINANCIAL HEALTH SCORE One number that reflects your whole picture—tailored to your primary goal, whether that's building an emergency fund, paying off debt, saving for a home, or building wealth. Watch it improve as your habits change. ACCOUNTABILITY THAT ACTUALLY WORKS - Real-time spending alerts when you splurge - "Is it worth it?" calculator before you buy - Avoided purchases tracker—celebrate every time you say no - Daily streaks and milestones to keep you on track - Optional spicy notification mode for extra accountability YOUR COMPLETE FINANCIAL PICTURE Spending, debt, income, balances, goals, and subscriptions—all in one place. No jumping between apps. LEARN AS YOU GO Built-in guides on the S&P 500, compounding interest, investing basics, and a searchable glossary—so you understand the terms, not just the numbers. PRIVACY & SECURITY - Bank-level encryption; Bili never stores your bank credentials - Face ID / passcode app lock - Read-only bank access via Plaid BILI PRO Unlock the full experience with a 7-day free trial: - Secure bank linking and automatic transaction sync - AI-powered analysis on every purchase - Unlimited Advisor chat with full financial context - Smart spending notifications and weekly reports Subscription managed through the App Store. Cancel anytime in Settings → Subscriptions. DISCLAIMER True Cost/Opportunity Cost calculations use hypothetical returns based on historical market averages for illustrative purposes only. They are not predictions of future performance. Bili Finance, LLC is a multi-state registered investment adviser however, you should always evaluate spending and investing decisions based on your own research and understanding of your financial situation . Past performance does not guarantee future results. Your money. Your future. In your control. Download Bili and start asking: Was it worth it? Terms of use and privacy policy information available at https://heybili.com/terms ## Key features - Instant purchase cost calculations - Smart spending tracking by month - Customizable interest rates and time periods - Visual compound growth graphs - Privacy-focused, on-device data storage ## Pricing and in-app purchases Base price: Free. **Subscriptions** | Subscription | Price | Period | | --- | --- | --- | | Bili Pro | $9.99 | per month | | Bili Pro Annual Plan | $59.99 | per year | ## Recent user reviews (2 of 2) All indexed reviews: https://appshunter.io/ios/app/bili-ai-money-coach/id6749036589/reviews.md ### 5/5 — The perfect app for those who hate looking at their bank acct *2026-08-06* I have always hated looking at my bank acct, like the accountability of it and this app makes it so fun to manage your money and take responsibility for your money goals!! It makes achieving your money dreams so much easier fr ### 5/5 — wow... *2025-07-31* you'll never look at your spending the same way!😬 you enter an amount you spent on something and it shows you want that could have been if you invested it instead. very cool. ## Frequently asked questions about Bili ### What is wiwi? used for? wiwi? is a finance app designed to help users understand the true cost of their purchases by illustrating the potential future value of that money if it were invested. It encourages users to pause and think before making impulse buys. ### How does wiwi? calculate potential investment value? The app bases its calculations on historical market averages to show what a specific amount of money could be worth if invested over time. It allows users to customize interest rates and time periods to match their financial goals. ### Is wiwi? free to use? Yes, wiwi? is completely free to download and use. There are no in-app purchases or advertisements within the application. ### Does wiwi? have ads? No, wiwi? is ad-free. The application is designed to provide a clean and focused user experience without interruptions from advertisements. ### What devices does wiwi? support? Currently, wiwi? is available on iPhone. The app is designed to run on iOS devices. ### How often is wiwi? updated? The latest version of wiwi? is 1.1, and it was last updated on August 15, 2025. Updates typically include improvements and new features based on user feedback and market trends. ### Is my financial data safe with wiwi? Yes, wiwi? is privacy-focused. All your data stays on your device, meaning it is not shared or stored on external servers, ensuring your financial information remains private. ### Can wiwi? provide investment advice? No, wiwi? does not provide investment advice. The calculations are based on historical market averages and are intended for educational purposes to help users understand opportunity cost. ## Version history (last 4 releases) ### 2.02 — 2026-08-21 Bug fixes and improvements ### 2.01 — 2026-08-06 Every unnecessary dollar you spend is a dollar that could have been invested in your future. Bili is an AI-powered financial wellness app built for people who want to spend smarter, understand where their money goes, and build lasting wealth habits—not just track transactions in a spreadsheet. THE QUESTION THAT CHANGES EVERYTHING Before your next impulse buy, ask yourself: Was it worth it? Bili doesn't just show what you spent. It shows what that money could have become—using the Opportunity Cost of every unnecessary purchase, calculated against historical market returns. That $14 coffee run? See its real price tag over 10, 20, or 30 years. YOUR AI FINANCIAL ADVISOR Chat with an Advisor that knows your full financial picture—spending, goals, debt, cash flow, and more. Ask anything: • "How much did I spend eating out this month?" • "Am I on track for my goals?" • "Where am I wasting money?" Get interactive insights right in the conversation: spending breakdowns, weekly reports, Financial Health Score updates, and Worth It? calculators—without leaving the chat. SMART SPENDING ANALYSIS Securely connect your bank accounts (powered by Plaid) and let AI analyze every transaction: • Automatic necessary vs. unnecessary tagging • Category breakdowns and spending trends • Subscription and recurring charge detection • Monthly and yearly opportunity-cost totals • Edit, override, or add transactions manually anytime FINANCIAL HEALTH SCORE One number that reflects your whole picture—tailored to your primary goal, whether that's building an emergency fund, paying off debt, saving for a home, or building wealth. Watch it improve as your habits change. ACCOUNTABILITY THAT ACTUALLY WORKS • Real-time spending alerts when you splurge • "Is it worth it?" calculator before you buy • Avoided purchases tracker—celebrate every time you say no • Daily streaks and milestones to keep you on track • Optional spicy notification mode for extra accountability YOUR COMPLETE FINANCIAL PICTURE Spending, debt, income, balances, goals, and subscriptions—all in one place. No jumping between apps. LEARN AS YOU GO Built-in guides on the S&P 500, compounding interest, investing basics, and a searchable glossary—so you understand the terms, not just the numbers. PRIVACY & SECURITY • Bank-level encryption; Bili never stores your bank credentials • Face ID / passcode app lock • Read-only bank access via Plaid BILI PRO Unlock the full experience with a 7-day free trial: • Secure bank linking and automatic transaction sync • AI-powered analysis on every purchase • Unlimited Advisor chat with full financial context • Smart spending notifications and weekly reports Subscription managed through the App Store. Cancel anytime in Settings → Subscriptions. DISCLAIMER True Cost/Opportunity Cost calculations use hypothetical returns based on historical market averages for illustrative purposes only. They are not predictions of future performance. Bili Finance, LLC is a multi-state registered investment adviser however, you should always evaluate spending and investing decisions based on your own research and understanding of your financial situation . Past performance does not guarantee future results. Your money. Your future. In your control. Download Bili and start asking: Was it worth it? ### 1.1 — 2025-08-15 NEW: Potentials: When you see the true cost of a purchase and decide against it, mark it as "not worth it" to add it to the "Potential" page (graph icon at top left). Potentials will give you a live calculation of what those unnecessary purchases could be if invested instead. Minor bug fixes and improvements ### 1.0 — 2025-07-25 No release notes. ## More apps by Mindshare Club, LLC - [Frame - Market Your App](https://appshunter.io/ios/app/frame-market-your-app/id6757414296) - [UnblurSkin - Acne Program](https://appshunter.io/ios/app/unblurskin-acne-program/id6782132885) All apps by Mindshare Club, LLC: https://appshunter.io/developer/1810557967 --- *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 2026-09-03.*