# Budget App & Money - SpendlyAI — Spending tracker & credit card > Spending tracker & credit card (iPhone/iPad app by Juan Andres Penaloza Torres.) - Source: https://appshunter.io/ios/app/budget-app-and-money-spendlyai/id6752553892 (this page in markdown: same URL + `.md`) - Developer: [Juan Andres Penaloza Torres](https://appshunter.io/developer/1807216417) - Category: Finance, Productivity - Price: Free with in-app purchases - Age rating: 4+ - Requires: iOS 15.0 · 85 MB - Languages: American English, Arabic, French (France), German (Germany), Hindi, Italian, Japanese, Korean, European Portuguese, Russian and 3 more - Released: 2025-12-01 - Data updated: 2026-08-28 - User reviews in markdown: https://appshunter.io/ios/app/budget-app-and-money-spendlyai/id6752553892/reviews.md ## What is Budget App & Money? SpendlyAI is the AI budget app that tracks your spending for you. Your expenses log themselves: the app reads your bank notifications and leaves each purchase ready to approve with one tap. Anything else, you just say out loud — "spent $84 at the supermarket" — and it is recorded in seconds. A SPENDING TRACKER THAT NEEDS NO TYPING - Automatic capture: your bank notification becomes a transaction you approve with one tap. - Log expenses by voice, chat or a photo of the receipt. The AI reads it, files it in the right category and saves it. - Recurring income and fixed bills scheduled once and never chased again. A MONTHLY BUDGET THAT ACTUALLY HOLDS Build your budget by month, fortnight or week, with per-category limits and an alert before you go over, not after. The budget ring shows how much money is left at a glance. MONEY FOR TWO, OR FOR THE WHOLE HOUSE Share a space with your partner or your family. Every expense one of you adds shows up on everyone's phone instantly, so the household budget finally stops living in a spreadsheet or a group chat. Your personal accounts stay exactly where they were: private, separate, and never mixed in. CREDIT CARD, DEBTS AND LOANS - Credit cards: available limit, statement and due dates, and every instalment purchase in its place. - Debts and loans with a full amortisation table, extra payments and the real date of your last instalment. - A simulator that shows how much interest you save by paying extra. SAVINGS, ACCOUNTS AND ANALYTICS - Savings pockets with goals and yield, so you can watch each one grow. - Accounts in several currencies with a clear breakdown and one total you can trust. - Charts and analytics that break your spending down by category, month after month. - A projection of your balance weeks ahead, based on what is already committed. BUILT FOR REAL LIFE No bank connection required, no card numbers, no ads getting in the way. SpendlyAI is not a bank and does not move your money: it is the place where you understand it. Everything works offline and lives on your device; cloud sync is there when you want your data on every phone you own. FREE AND PREMIUM Tracking expenses and spending, budgets, bills, credit cards, debts, pockets and analytics are free, with no limit on how much you record. Exporting your data is free too. Premium unlocks the unlimited AI assistant, cloud sync, importing backups and priority support. Couple and Family plans add the shared space for two or five people. Money is easier when everyone can see the same numbers. Start today. Terms of Use (EULA): https://spendlyai-app.com/terms/ ## Pricing and in-app purchases Base price: Free. **Subscriptions** | Subscription | Price | Period | | --- | --- | --- | | Family Monthly | $9.99 | per month | | Couple Monthly | $6.99 | per month | | Couple Yearly | $69.99 | per year | | Family Yearly | $99.99 | per year | | Premium Monthly | $4.99 | per month | | Premium Annual | $49.99 | per year | ## Version history (last 5 releases) ### 2.6.0 — 2026-08-19 - Home screen widgets: your budget, and what you spent and received this period - An assistant widget with camera, gallery and files, without opening the app - Scheduled transfers between your accounts, repeating every week or every month - Couple and Family plans to share accounts and budgets with whoever you choose - Automatic logging: your expenses arrive on their own, ready to approve - Choose the exact day your budget starts: weekly, fortnightly or monthly - Log transfers by voice with Siri - Stability fixes on launch and in voice logging ### 2.5.9 — 2026-08-19 - Choose the exact day your budget starts: weekly, fortnightly or monthly - Log transfers by voice with Siri - Stability fixes on launch and in voice logging ### 2.5.7 — 2026-08-14 - Choose the exact day your budget starts: weekly, fortnightly or monthly - Sign in with Apple, now on Android too - Log transfers by voice with Siri or the Google Assistant - Stability fixes on launch and in voice logging ### 2.5.6 — 2026-08-13 - Log your expenses without opening the app, with Siri or the Google Assistant - Automatic logging now detects transfers between your own accounts - Approve everything that logged itself, all at once - Redesigned category list, showing how much you use each one ### 2.5.4 — 2026-08-12 - Log your expenses without opening the app, with Siri or the Google Assistant - Automatic logging now detects transfers between your own accounts - Approve everything that logged itself, all at once - Redesigned category list, showing how much you use each one ## Apps similar to Budget App & Money | App | Rating | Price | Category | | --- | --- | --- | --- | | [FinanzApp: Presupuestos e IA](https://appshunter.io/ios/app/finanzapp-presupuestos-e-ia/id6759459216) | — | Free | Finance | | [Neto: Money & Net Worth](https://appshunter.io/ios/app/neto-money-and-net-worth/id6757704061) | 5.0 (8) | Free | Finance | | [Centavo: Finanzas Personales](https://appshunter.io/ios/app/centavo-finanzas-personales/id6748099299) | 4.0 (3) | Free | Finance | | [AI Money Manager & Expenses](https://appshunter.io/ios/app/ai-money-manager-and-expenses/id6758800824) | 4.7 (3) | Free | Finance | | [Finanzas Personales IA: Finvot](https://appshunter.io/ios/app/finanzas-personales-ia-finvot/id6757373431) | 2.0 (1) | Free | Finance | | [Lukas - Control de gastos](https://appshunter.io/ios/app/lukas-control-de-gastos/id6758321769) | — | Free | Finance | ## More apps by Juan Andres Penaloza Torres - [Taskly AI](https://appshunter.io/ios/app/taskly-ai/id6744343634) All apps by Juan Andres Penaloza Torres: https://appshunter.io/developer/1807216417 ## Related topics [smart wallet money tracker](https://appshunter.io/ios/topics/smart-wallet-money-tracker) --- *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 2026-08-28.*