# Expense Tracker: Wizo AI — IOU, EMI, Lent & Debts Owed > AI-powered expense tracker for budgets, debts, loans, and subscriptions. (iPhone/iPad app by Samad Talukder.) - Source: https://appshunter.io/ios/app/expense-tracker-wizo-ai/id6798374767 (this page in markdown: same URL + `.md`) - Developer: [Samad Talukder](https://appshunter.io/developer/6798374769) - Category: Finance - Price: Free with in-app purchases - Rating: 5.00/5 from 1 App Store ratings · 1 written reviews indexed - Age rating: 4+ - Requires: iOS 16.0 · 97 MB - Languages: American English, Arabic, Basque, Catalan, Czech, Danish, Dutch, Finnish, French (France), Galician and 21 more - Released: 2026-08-17 - Data updated: 2026-10-04 - Monetization: free with in-app purchases - User reviews in markdown: https://appshunter.io/ios/app/expense-tracker-wizo-ai/id6798374767/reviews.md ## What is Expense Tracker? Know where your money goes, who owes you, and what is due next. Wizo is an AI expense tracker that keeps spending, budgets, goals, subscriptions, loans, instalments, and IOUs in one simple app. Log an expense in seconds, ask the AI assistant a question in plain English, and let Wizo remind you before a bill is due. No subscription: every tracking feature is included, and only the AI tools use credits. TRACK EVERY EXPENSE Tap the Fast Entry button from any screen to record income, expenses, and transfers. • 22 account types: cash, bank, wallets, credit cards, BNPL, loans, mortgages, investments, crypto, gold, stocks, and more • Any currency from the full ISO list, with a base currency for totals • Custom categories and tags, plus search across everything you have logged • A Net Worth view that weighs what you own against what you owe DEBTS, IOUS & MONEY LENT Stop keeping track of who owes whom in your head. • Record money you lent or borrowed against a contact • See each person's balance and full payment history • Settle up in a tap when money comes back • Debts owed to you count toward your net worth automatically LOANS & EMI PAYMENTS • Track loans you have given or taken, with flat or reducing interest • EMI calculations and full installment schedules • A dedicated flow for purchases made on EMI • Payment reminders so a due date never catches you off guard BUDGETS & SAVINGS GOALS • Weekly, monthly, yearly, or custom-period budgets • Alerts as you approach a limit, and rollover for money you did not spend • Savings goals for an emergency fund, travel, a home, retirement, and more • Deadlines, linked accounts, and recurring contributions for each goal BILLS, SUBSCRIPTIONS & RECURRING PAYMENTS • One place for subscriptions, recurring bills, and repeating income • Reminders before a payment is due • A missed-payment list so nothing quietly slips AI ASSISTANT & RECEIPT SCAN • Ask, by typing or speaking, "How much did I spend on dining this month?" and get an answer from your own data • Let the assistant prepare a transaction for you; nothing is saved until you confirm it • Snap a receipt to pull out the merchant, amount, date, and category, then review it before saving • AI features need a free account and use credits. New accounts start with welcome credits, and you can buy more packs any time INSIGHTS THAT MAKE SENSE • A financial health score on your dashboard • Cash flow, savings rate, and budget vs. actual • Category and tag breakdowns • PDF and CSV exports when you need a report • A weekly digest, plus alerts for unusual spending STAY MOTIVATED Streaks and achievement badges reward the habit of checking in, so tracking sticks. YOUR DATA, YOUR CONTROL • Your records live on your iPhone first, so everyday tracking works offline • Signed-in users get automatic backup to a private Google Drive app folder • Export everything to a compressed .wizo backup file, and restore by replacing or merging • Try Wizo as a guest with no sign-up. Guest data stays on your device, and you can bring it into an account later with Sign in with Apple or Google • Light and dark themes Wizo is built for everyday money, not accounting software. Start as a guest and see where this month's money is going. Privacy Policy: https://www.wizomoney.com/en/privacy ## Key features - AI expense tracking - Debt and IOU management - Loan and EMI tracking - Budget and savings goals - Subscription management - Receipt scanning - Financial insights ## Pricing and in-app purchases Base price: Free. **One-time purchases** | Purchase | Price | Type | | --- | --- | --- | | 100 AI Credits | $3.99 | one-time | | 300 AI Credits | $9.99 | one-time | ## Recent user reviews (1 of 1) All indexed reviews: https://appshunter.io/ios/app/expense-tracker-wizo-ai/id6798374767/reviews.md ### 5/5 — Excellent AI chat *2026-09-17* Have been using Wizo AI app for a few weeks now. My favourite feature is the AI chat. Super clean, visually clear and help me to stay on track ## Frequently asked questions about Expense Tracker ### Does Expense Tracker: Wizo AI have ads? No, Expense Tracker: Wizo AI is ad-free. The app is free to use with optional in-app purchases for AI features. ### What are the AI features in Expense Tracker: Wizo AI? The AI assistant can answer questions about your spending in plain English, help prepare transactions, and scan receipts to extract merchant, amount, date, and category information. ### How does Expense Tracker: Wizo AI handle debts and IOUs? You can record money lent or borrowed against contacts, view each person's balance and payment history, and settle up in a tap. Debts owed to you contribute to your net worth. ### Can Expense Tracker: Wizo AI track loans and installments? Yes, it can track loans with flat or reducing interest, provide EMI calculations and installment schedules, and manage purchases made on EMI with payment reminders. ### What kind of budgets and savings goals can I set in Expense Tracker: Wizo AI? You can set weekly, monthly, yearly, or custom-period budgets with alerts as you approach limits. Savings goals can be created for various purposes like emergency funds or retirement, with deadlines and linked accounts. ### How often is Expense Tracker: Wizo AI updated? The latest version, 2.5.0, was last updated on October 2, 2026. Updates typically include new features, bug fixes, and performance improvements. ### What devices support Expense Tracker: Wizo AI? Expense Tracker: Wizo AI is available for iPhone and iPad, supporting offline tracking as records are stored locally first. ### Is my financial data secure with Expense Tracker: Wizo AI? Your records are stored on your iPhone first for offline access. Signed-in users benefit from automatic backup to a private Google Drive folder. You can also export your data to a compressed .wizo backup file. ## Version history (last 5 releases) ### 2.5.0 — 2026-10-02 • A new liquid glass bottom bar. • Money you've lent or borrowed now lives in Loans, one balance per person • Faster logging: one-tap chips for repeat buys, top categories first, last account remembered • Tap any month on your net worth card to look back • Daily backups that keep running ### 2.4.0 — 2026-08-30 • AI credit packs • Home, Activity, Stats, Plans, More, Profile, Net worth redrawn • Cash-flow report rebuilt; foreign amounts converted at real rates ### 2.3.0 — 2026-08-20 • Sign in on a new phone, and Wizo now offers your Google Drive backup, merged with anything already on the device • Goals open as a sheet, with one form for adding and withdrawing funds • Loans fit in a single card, and payments can be dated to the day the money moved • A lighter Stats period row • Fixed a screen that could open on an error instead of your data • Duplicate default categories collapsed, plus fixes and polish ### 2.2.0 — 2026-08-19 • Exchange rates update on their own; no more typing them in by hand • Faster receipt scanning • Budgets, Goals and Loans now live together • Stats now show Net Flow with its true direction and sign • A smaller, faster app, plus fixes and polish ### 2.0.0 — 2026-08-18 No release notes. ## More apps by Samad Talukder - [AI Resume Builder: ResumateAI](https://appshunter.io/ios/app/ai-resume-builder-resumateai/id6801170551) All apps by Samad Talukder: https://appshunter.io/developer/6798374769 --- *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 2026-10-04.*