# Karmon AI — Your Everyday Finance Tool

> Personal finance assistant for expense tracking, debt management, and Zakat calculation. (iPhone/iPad app by KARMON AI, MCHJ.)

- Source: https://appshunter.io/ios/app/karmon-ai/id6740701827 (this page in markdown: same URL + `.md`)
- Developer: [KARMON AI, MCHJ](https://appshunter.io/developer/1791097194)
- Category: Finance
- Price: Free with in-app purchases
- Rating: 5.00/5 from 2 App Store ratings · 2 written reviews indexed
- Age rating: 4+
- Requires: iOS 13.0 · 134 MB
- Languages: American English
- Released: 2025-05-16
- Data updated: 2026-08-20
- Monetization: freemium
- User reviews in markdown: https://appshunter.io/ios/app/karmon-ai/id6740701827/reviews.md

## What is Karmon AI?

Karmon AI – Your Smart Personal Finance Assistant

Karmon AI is your all-in-one financial assistant, designed to help you manage your money smarter - wherever you are. Whether you're tracking daily expenses, managing debts, or calculating Zakat, Karmon AI brings clarity and control to your finances with intelligent insights and an intuitive interface.

Built with users in Uzbekistan in mind - including full support for Uzcard, HUMO, and the Uzbek som - Karmon AI also supports multi-currency accounts, making it useful for users worldwide.

Key Features
Budget Overview – Instantly view your income, expenses, and total balance

Category Insights – Understand your spending patterns with visual charts
Loan Management – Track borrowed and lent money and send SMS reminders
Zakat Calculator – Calculate your Zakat obligations based on assets
Transaction History – Search and browse past transactions by category or tag\
Multi-language Support – Available in Uzbek, Russian, and Arabic

Privacy First
Your financial data is encrypted and stored securely. Karmon AI does not use third-party tracking or share your personal information. Your privacy is our priority.

Subscription Information
Payment will be charged to your Apple ID upon confirmation of purchase.
Subscription automatically renews unless canceled at least 24 hours before the end of the current period.
You can manage or cancel your subscriptions in your App Store account settings.
Any unused portion of the subscription period is non-refundable.

Terms & Policies

Privacy Policy: https://sites.google.com/view/karmon-ai-privacy

Terms of Use: https://sites.google.com/view/termof-use-karmon-ai

Download Karmon AI today and take control of your finances—whether you're in Uzbekistan or anywhere in the world.

## Key features

- Budget overview
- Spending pattern insights
- Loan management
- Zakat calculator
- Transaction history search
- Multi-language support

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| Karmon Ai Monthly Premium | $2.99 | per month |
| Karmon Ai Premium | $29.99 | per year |


## Recent user reviews (2 of 2)

All indexed reviews: https://appshunter.io/ios/app/karmon-ai/id6740701827/reviews.md

### 5/5 — Best fintech app

*2025-05-24, version 1.0.2*

Best app

### 5/5 — Finally, a smart and simple finance app that actually helps!

*2025-05-24, version 1.0.2*

I’ve tried so many budgeting apps, but Karmon AI is by far the most intuitive and helpful. The design is clean, it’s easy to track my income and expenses, and I love that it gives personalized tips using AI (seriously, they actually make sense!).

The Karmon Split feature is a game-changer — no more awkward convos with friends after group dinners. Plus, the app works perfectly in English, Arabic, Russian, and Uzbek, which makes it super inclusive.

Even in beta, it runs smoothly and feels polished. Excited to see where this goes — highly recommend to anyone looking to take control of their finances without the headache.

## Frequently asked questions about Karmon AI

### What is Karmon AI?

Karmon AI is a personal finance assistant designed to help users manage their money. It offers features like expense tracking, debt management, and Zakat calculation, with a focus on providing intelligent insights and an intuitive user experience.

### Is Karmon AI free to use?

Karmon AI is free to download and use, offering core financial management tools. It also provides premium subscription plans for enhanced features and an ad-free experience.

### What are the subscription options for Karmon AI?

Karmon AI offers a monthly premium subscription for $2.99 and an annual premium subscription for $29.99. These plans provide access to advanced features and an ad-free experience.

### How secure is my financial data with Karmon AI?

Karmon AI prioritizes user privacy by encrypting and securely storing financial data. The app does not use third-party tracking or share personal information.

### What payment methods does Karmon AI support?

Karmon AI offers full support for Uzcard and HUMO payment systems, along with the Uzbek som. It also supports multi-currency accounts for global users.

### Can I cancel my Karmon AI subscription?

Yes, you can manage or cancel your Karmon AI subscription at least 24 hours before the end of the current period through your App Store account settings. Any unused portion of a subscription period is non-refundable.

### What languages does Karmon AI support?

Karmon AI is available in multiple languages, including Uzbek, Russian, and Arabic, to cater to a diverse user base.

### How often is Karmon AI updated?

The latest version of Karmon AI is 2.3.0, last updated on March 14, 2026. This indicates a commitment to regular updates and improvements.

## Version history (last 5 releases)

### 3.0.1 — 2026-08-12

• Xatolar tuzatildi.
• Ilova unumdorligi va barqarorligi yaxshilandi.
• Foydalanuvchi tajribasini yaxshilash uchun kichik texnik o‘zgartirishlar amalga oshirildi.

### 3.0.0 — 2026-08-04

Yangiliklar

Ilovani yanada tezkor, qulay va barqaror ishlashi uchun to’liq optimallashtirdik va yangiladik.

Yangi funksiyalar

Budjet boshqaruvi
Kengaytirilgan statistika
Umumiy hisoblar
To’lovlarni rejalashtirish
Kalendar
AI CFO
Tranzaksiyalarni teglash
Qo’shimcha fon mavzulari
Ko’p valyutali qo’llab-quvvatlash

Shuningdek, ilovaning umumiy ishlash tezligi va barqarorligi yaxshilandi hamda ko’plab xatolar bartaraf etildi.

Ilovamizdan foydalanganingiz uchun rahmat. Siz uchun yanada qulay imkoniyatlarni yaratishda davom etamiz.

### 2.6.0 — 2026-05-13

• Improved app performance and stability
• Fixed several bugs and crashes
• Enhanced user experience and interface improvements
• Faster and smoother navigation
• General optimizations and minor improvements

### 2.5.0 — 2026-05-07

Nima yangiliklar bor:

– Qora mavzu qo‘shildi;
– Asosiy valyutani o‘zgartirish imkoni qo‘shildi (76 ta valyutada ilovani boshqaring);
– Byudjet bilan bog‘liq xatoliklar tuzatildi;
– Ilova ishlashi tezlashtirildi va yanada silliq bo‘ldi;
– Barqarorlik yaxshilandi.

Katta maqsadlar sari yangilanamiz.

### 2.4.0 — 2026-04-19

Yangilanishlar:

• UI/UX yaxshilandi - ilovadan foydalanish yanada qulay bo‘ldi
• Kichik xatoliklar tuzatildi, barqarorlik oshirildi
• Yangi: Byudjet funksiyasi - xarajatlar uchun limit qo‘yish va oshganda ogohlantirish olish mumkin
• Bildirishnomalar bo‘limi qo‘shildi - kunlik eslatmalar va qarzlar uchun eslatmalarni yoqish/o‘chirish mumkin

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## More apps by KARMON AI, MCHJ

- [Zakotim](https://appshunter.io/ios/app/zakotim/id6758931436)

All apps by KARMON AI, MCHJ: https://appshunter.io/developer/1791097194

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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 2026-08-20.*