# heap AI: Expense Tracker — Budget, Bills & Subscriptions

> AI-powered personal finance app for fast expense tracking, budgeting, and spending analysis. (iPhone/iPad app by Danylo Strelchenia.)

- Source: https://appshunter.io/ios/app/heap-ai-expense-tracker/id6759523889 (this page in markdown: same URL + `.md`)
- Developer: [Danylo Strelchenia](https://appshunter.io/developer/1879282863)
- Category: Finance, Productivity
- Price: Free with in-app purchases
- Rating: 5.00/5 from 1 App Store ratings · 1 written reviews indexed
- Age rating: 4+
- Requires: iOS 16.4 · 79 MB
- Languages: American English, Armenian, French (France), German (Germany), Italian, Japanese, Kazakh, Brazilian Portuguese, Russian, European Spanish and 1 more
- Released: 2026-05-04
- Data updated: 2026-11-09
- Monetization: free with in-app purchases
- User reviews in markdown: https://appshunter.io/ios/app/heap-ai-expense-tracker/id6759523889/reviews.md

## What is heap AI?

==============================
STOP WONDERING WHERE YOUR MONEY WENT
==============================

heap is a personal finance app built around one simple idea: tracking money should feel fast enough to become a habit.

Add expenses, income, transfers, accounts, subscriptions, budgets, and goals in one clean place - then use AI to understand your spending without digging through spreadsheets.


[ TRACK MONEY IN SECONDS ]

Add transactions manually, with a quick keypad, or just say what happened.

heap can turn natural language or voice input into structured expenses, income, transfers, and account drafts, so you spend less time entering data and more time understanding it.


[ ASK AI ABOUT YOUR FINANCES ]

heap AI helps you work with your own financial data in plain language.

Ask questions like:

- "How much did I spend on food this month?"
- "Where did my money go last week?"
- "Create an expense for coffee yesterday."
- "How can I reduce unnecessary spending?"

Approve AI-created drafts instantly or edit them before saving.


[ SEE THE FULL PICTURE ]

Track cash, cards, bank accounts, savings, and other balances in one place.

Organize transactions by categories, labels, accounts, dates, notes, and transaction type, so your history stays clear even as it grows.


[ UNDERSTAND YOUR SPENDING ]

heap gives you visual analytics for balance trends, cash flow, spending flow, and category breakdowns.

Pick a period, compare where money comes from and where it goes, and spot patterns before they turn into problems.


[ STAY AHEAD OF SUBSCRIPTIONS ]

Manage subscriptions, recurring bills, rent, utilities, loans, and other repeating payments.

See what is upcoming, confirm paid charges, postpone payments when needed, and keep inactive subscriptions out of the way without losing history.


[ PLAN BUDGETS AND GOALS ]

Use heap to plan monthly budgets, follow spending limits, and stay focused on savings goals - whether you are building an emergency fund, saving for a trip, or preparing for a larger purchase.


[ BUILT FOR REAL DAILY USE ]

- Fast expense tracking
- Voice and text AI input
- Accounts and balances
- Categories and labels
- Transfers, income, and expenses
- Subscriptions and recurring payments
- Budgets and savings goals
- Spending analytics
- Personal and shared finances
- Local-first tracking with no required bank login


[ PRIVATE BY DESIGN ]

No complicated bank connection is required to get started.

You stay in control of what you enter, what you track, and how you organize your financial life.

Whether you need an expense tracker, budget planner, subscription tracker, spending tracker, or an AI finance assistant, heap gives you a faster and clearer way to manage money.

Download heap and take control of your finances today.

## Key features

- Fast expense tracking
- AI-powered voice and text input
- Account and balance management
- Subscription and recurring payment tracking
- Budgeting and savings goals
- Visual spending analytics
- Local-first tracking, no bank login required

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| Individual Plan Monthly | $4.99 | per month |
| Pro Plan Monthly | $9.99 | per month |
| Pro Plan Annual | $71.99 | per year |
| Individual Plan Annual | $38.99 | per year |

**One-time purchases**

| Purchase | Price | Type |
| --- | --- | --- |
| Unlimited Transactions | $2.99 | one-time |


## Is heap AI safe?

Not enough ratings yet to assess heap AI.

## Is heap AI legit?

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

## Recent user reviews (1 of 1)

All indexed reviews: https://appshunter.io/ios/app/heap-ai-expense-tracker/id6759523889/reviews.md

### 5/5 — Best tracker

*2026-05-14*

Recommend

**Developer response:** We truly appreciate your review and rating.

Best regards,
heap team

## Frequently asked questions about heap AI

### How does heap AI help track expenses?

heap AI allows for rapid expense tracking through manual entry, a quick keypad, or natural language and voice input. It can convert spoken or written phrases into structured financial transactions, making data entry quick and habitual.

### What kind of AI features does heap AI offer?

heap AI uses artificial intelligence to help you understand your finances in plain language. You can ask questions about your spending habits, request expense creations, and receive AI-generated drafts that you can approve or edit.

### Can heap AI manage subscriptions?

Yes, heap AI helps you manage subscriptions, recurring bills, rent, and loans. It shows upcoming payments, confirms charges, and allows you to manage inactive subscriptions without losing historical data.

### Does heap AI require a bank login?

No, heap AI is designed for local-first tracking and does not require a bank login to get started. Users maintain control over the data they enter and track.

### What are the subscription plans for heap AI?

heap AI offers Individual and Pro plans on a monthly or annual basis. Monthly plans start at $4.99 with a 3-day free trial, while annual plans start at $38.99 with a 7-day free trial.

### How often is heap AI updated?

The latest version of heap AI is 1.0.16, which was last updated on November 7, 2026. This indicates a relatively recent update frequency.

### Does heap AI have ads?

Yes, heap AI contains advertisements. This is a factor to consider alongside its free-to-use model with in-app purchases.

### What devices is heap AI available on?

Currently, heap AI is supported on iPhone devices. Compatibility with other platforms may be considered for future updates.

## Version history (last 5 releases)

### 1.0.16 — 2026-11-07

Thank you for choosing heap to manage your finances every day — we really appreciate it!

In this update:

∙ Added Face ID support
∙ Redesigned Analytics screen
∙ Improved onboarding experience
∙ Bug fixes and performance improvements

Have any questions? Reach out to us at support@heapai.org

### 1.0.15 — 2026-09-26

Thank you for choosing heap to manage your finances every day — we really appreciate it!

In this update:

∙ It’s finally here: the Apple Pay automation you’ve been waiting for
∙ Completely redesigned Subscriptions screen
∙ Improved transaction entry experience
∙ You can now change the app icon
∙ Added Home Screen widgets
∙ Improved analytics
∙ Bug fixes and performance improvements

Have any questions? Reach out to us at support@heapai.org

### 1.0.14 — 2026-08-25

∙ Bug fixes and performance improvements

### 1.0.13 — 2026-08-17

∙ Bug fixes and performance improvements

### 1.0.12 — 2026-07-29

∙ UI Improvements

## Apps similar to heap AI

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| --- | --- | --- | --- |
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| [Monohroshi: Expense Tracker](https://appshunter.io/ios/app/monohroshi-expense-tracker/id6760224247) | — | Free | Finance |
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| [Midni: облік витрат і бюджет](https://appshunter.io/ios/app/midni/id6761293548) | — | Free | Finance |
| [FlashMobile.](https://appshunter.io/ios/app/flashmobile/id6740341678) | — | Free | Finance |

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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 2026-11-09.*