# LuckyCat: AI Expense Tracker — Beautiful budget & bookkeeping

> Simple, ad-free personal finance tracker with advanced categorization and reporting. (iPhone/iPad app by Mona Studio.)

- Source: https://appshunter.io/ios/app/luckycat-ai-expense-tracker/id6748858584 (this page in markdown: same URL + `.md`)
- Developer: [Mona Studio](https://appshunter.io/developer/1826506736)
- Category: Finance, Utilities
- Price: Free with in-app purchases
- Rating: 5.00/5 from 1 App Store ratings · 18 written reviews indexed
- Age rating: 4+
- Requires: iOS 18.6 · 44 MB
- Languages: Korean, German (Germany), European Spanish, American English, Japanese, Chinese (Simplified, China), Chinese (Traditional, Taiwan), French (France)
- Released: 2025-10-15
- Data updated: 2026-08-27
- Monetization: freemium
- User reviews in markdown: https://appshunter.io/ios/app/luckycat-ai-expense-tracker/id6748858584/reviews.md

## What is LuckyCat?

You're not just tracking income and expenses—you're capturing your life, one entry at a time.
LuckyCat makes bookkeeping easier and more natural, helping you understand your spending and everyday life over time.
Start tracking with ease today.

WHY LUCKYCAT
* Beautiful: a meticulously designed interface, icons, and charts — bookkeeping as a treat, not a chore
* Smart: AI-powered Smart Entry and Voice Entry say goodbye to tedious tapping
* Private: your data lives only on your device and your iCloud. We never collect or share it

KEY FEATURES
* Smart Entry: share a payment screenshot and AI logs the amount and category for you
* Voice Entry: long-press the add button, say one sentence, done
* Charts & Reports: pie, bar, and line charts plus a calendar heatmap that make your finances crystal clear
* Budgets: per-category budgets with monthly, yearly, or custom periods — set up in three steps
* Multiple Account Books: keep daily life, travel, and shared expenses separate
* Multi-Currency: real-time exchange rates and cross-currency transfers — travel-ready
* Asset Management: track accounts of all types and see your full financial picture
* Reimbursements & Refunds: one tap, automatically linked to the original expense
* Installments: enter the interest and get the real annual rate calculated automatically
* Recurring Entries: rent and subscriptions log themselves
* Rich Categories: two-level categories with colorful icons, continuously updated
* Tag groups, photo attachments, powerful search, import/export, widgets, Shortcuts… and more to discover

PRIVACY FIRST
* No account needed
* Syncs via iCloud only with your consent
* We never store or share your data
* No ads, ever

LUCKYCAT PRO
All personalization features, custom categories, iCloud backup, multiple account books, Smart Entry, Voice Entry, receipt printing, data import, and more

Terms of Use: https://luckycat.monana.cc/help?lang=en&slug=about%2Fterms&theme=light
Privacy Policy: https://luckycat.monana.cc/help?lang=en&slug=about%2Fprivacy&theme=light

Thank you for your support. We'll keep polishing LuckyCat and building more products that live up to this philosophy.
If you run into any issues, email us at luckycatwallet@gmail.com — we read and answer every message.

## Key features

- Ad-free and no login required
- Detailed categorization with subcategories
- Multiple ledgers for different scenarios
- Asset management and financial overview
- Various statistical charts and reports
- Reimbursement and refund management
- Multi-currency support with real-time exchange rates

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| Monthly Plan | $5.99 | per month |
| Annual Plan | $29.99 | per year |

**One-time purchases**

| Purchase | Price | Type |
| --- | --- | --- |
| Lifetime Access | $59.99 | one-time |
| 终身会员-限时优惠 | $53.99 | one-time |


## Recent user reviews (10 of 18)

All indexed reviews: https://appshunter.io/ios/app/luckycat-ai-expense-tracker/id6748858584/reviews.md

### 5/5 — 推荐

*2025-11-30*

挺好用的，没有广告，没有其他乱七八糟东西，但是记账那里的（修改时间、再记一笔、选择账本）一溜都点不了

### 5/5 — 超级好用！数据图表很清晰，配色美丽

*2025-11-04*

很喜欢这个记账软件，页面实在是太干净太漂亮了，就喜欢这种简洁大方的页面设计。统计图表清晰明了，特别是配色看着就很舒服，大爱！会一直坚持用下去哈哈

### 5/5 — 超级好用

*2025-10-28*

画面简介干净

**Developer response:** 谢谢喜欢！我们会继续保持简洁好用的风格，让记账变得更轻松～

### 5/5 — 页面美观，未来可期

*2025-10-26*

下载了很多记账软件，招财猫记账的页面独具一格，页面配色也很好看。功能还在不断完善中，期待功能变得更好～

**Developer response:** 谢谢你的鼓励！我们会继续优化功能，不辜负期待～

### 5/5 — 好用

*2025-10-25*

喜欢 界面简洁好看 也方便

**Developer response:** 感谢支持！很高兴你喜欢我们的设计，我们会持续优化体验～

### 5/5 — 设计感很强，第一眼就喜欢上了

*2025-10-24*

设计的很有新意，有开发者自己的想法，功能也很完整

**Developer response:** 感谢喜欢！我们希望每一个细节都能传递出温度～

### 5/5 — 贼拉丝滑

*2025-10-23*

还是第一次遇到这么丝滑的软件，自己会坚持用的

**Developer response:** 谢谢你的认可！丝滑是我们的追求！我们会继续打磨细节优化体验

### 5/5 — 太值了，界面简洁又流畅

*2025-10-22*

清爽的记账工具

**Developer response:** 谢谢支持！我们会继续保持清爽简洁的风格～

### 5/5 — 终于找到本命记账app

*2025-10-22*

界面长在心巴上

**Developer response:** 好开心听到这句话！感谢你的支持，我们会继续努力的！

### 5/5 — 用过的最清爽的记账工具

*2025-10-21*

简洁的界面很赞，图标都好可爱

**Developer response:** 感谢支持！清爽简洁就是我们想坚持的方向！

## Frequently asked questions about LuckyCat

### Does 招财猫记账 have ads?

No, 招财猫记账 is designed to be ad-free. The developers explicitly state there are no commercial advertising plans, ensuring an uninterrupted user experience.

### What is the pricing for 招财猫记账 PRO?

招财猫记账 offers monthly and annual subscription plans for its PRO features. The monthly plan costs $5.99, while the annual plan is $29.99 and includes a 7-day free trial.

### Is 招财猫记账 safe to use?

Yes, 招财猫记账 prioritizes user privacy and security. Data is only uploaded to iCloud with user consent, and the developers do not store or share any user data. It also does not require login to use.

### What devices does 招财猫记账 support?

Currently, 招财猫记账 is supported on iPhone. The app is rated for ages 4 and up.

### How often is 招财猫记账 updated?

The app was last updated on March 26, 2026, indicating ongoing development and support. The latest version is 3.0.1.

### Can I use 招财猫记账 without an internet connection?

While the app supports iCloud synchronization and real-time exchange rates, its core budgeting and expense tracking features can be used offline. Data is stored locally until synced.

### What are the benefits of the PRO membership in 招财猫记账?

PRO membership unlocks all personalization features, custom categories, multi-ledger support, quick entry, receipt printing, bill import, and other advanced functionalities not available in the free version.

### How does 招财猫记账 handle data privacy?

Data privacy is a core focus. 招财猫记账 only uses iCloud to upload data to Apple servers with explicit user consent. The developers confirm they do not store or share any of your personal financial information.

## Version history (last 5 releases)

### 4.1.0 — 2026-08-10

NEW
- A new Diary style on Home groups entries by day and expands photos, notes, tags, and account details
- Set one Home greeting or a different greeting for each day of the week. You can also show the month and tap it to switch months
- Improved category organization after importing entries: matched categories and categories to create are clearly separated, with options to review related entries and recategorize them in batches

IMPROVED
- Reorganized personalization settings, grouping Home and Entry Preferences so frequently used options are easier to find
- Rebuilt the iCloud backup and restore experience
- Optimized photo selection, compression, and thumbnail loading for entries to reduce memory and storage use
- Refined the visual appearance in Dark Mode for clearer hierarchy and details

FIXED
- Fixed issues affecting stability and usability

*Looking for creators to collaborate with*
If you enjoy LuckyCat and would like to share your experience on social media, contact us at luckycatwallet@gmail.com

### 4.0.1 — 2026-07-27

NEW
- Choose what your Home budget card shows: long-press the card or open the Budget page settings to bind any budget from any account book
- Switch account books right in the Budget page to view and manage each book's budgets
- Refreshed accounting sounds: new options with improved audio quality

IMPROVED
- Unified how budgets are calculated on Home and in the widget, so the remaining budget is more accurate
- Dark mode and localization refinements

FIXED
- Fixed budgets created in another account book not showing up on the Budget page

*Looking for creators*
If you love LuckyCat and would like to share your experience on social media, reach out at luckycatwallet@gmail.com

### 4.0.0 — 2026-07-07

NEW
- Voice Entry: long-press the add button and say one sentence to log an expense
- Budget Center: fully redesigned with per-category budgets, monthly/yearly/custom periods, and multiple budget plans
- Smart Budget: a three-step wizard to generate your monthly category budgets
- Installments: create installment plans while logging, with interest input and automatic real annual rate calculation
- Book selection: pick multiple account books on Home and Statistics

IMPROVED
- Tap the asset card on Home to open account management
- Tap the budget card on Home to open the Budget Center

FIXED
- Fixed an issue where pop-ups could occasionally appear blank

*Looking for creators*
If you love LuckyCat and would like to share your experience on social media, reach out at luckycatwallet@gmail.com

### 3.0.1 — 2026-03-26

【修复】
- 智能记账 AI 模式的体验问题

### 3.0.0 — 2026-03-25

【新增】
- 智能记账： 告别繁琐点选，记账一气呵成
- 周期记账： 支持房租、订阅服务等自动入账，规律生活，无需操心
- 标签组： 支持标签分类归口，让复杂的账目变得井然有序
- 优惠： 新增优惠金额记录，省下的每一分钱都值得被看见
- 跨币种转账： 支持多币种汇率转换及手续费独立记录，跨境消费更精准

【优化】
- 设计：小组件设计、设置页菜单布局
- 性能：图表性能提升

【修复】
- 部分体验问题

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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 2026-08-27.*