# Marnie: AI Expense Tracker — Budget Planner & Money Manager

> Budget Planner & Money Manager (iPhone/iPad app by Sara Ghazanfar.)

- Source: https://appshunter.io/ios/app/marnie-ai-expense-tracker/id6777113184 (this page in markdown: same URL + `.md`)
- Developer: [Sara Ghazanfar](https://appshunter.io/developer/6777113186)
- Category: Finance, Productivity
- Price: Free with in-app purchases
- Age rating: 4+
- Requires: iOS 16.4 · 87 MB
- Languages: American English
- Released: 2026-09-30
- Data updated: 2026-10-20

## What is Marnie?

Marnie is an AI expense tracker and budget planner that works without linking your bank. Say what you spent, log it with Siri or capture Apple Pay purchases with Shortcuts. Marnie sorts each expense, learns from your corrections and shows what's safe to spend.

LOG SPENDING IN SECONDS
• Say it: "Lunch was 18 dollars." Check the details and save.
• Ask Siri to add an expense to Marnie.
• Capture Apple Pay purchases with a Shortcuts automation, then open Marnie to finish saving them.
• Scan a receipt or a statement screenshot, or type it in.

KNOW WHAT'S SAFE TO SPEND
Safe to Spend sets aside upcoming bills, savings goals and an emergency buffer, so the number you see is money you can actually use. Keep it on your Home Screen with widgets.

BUDGETS THAT FIT YOUR PAY CYCLE
Set spending limits by week, fortnight, month or year and get an alert at 80%. See bills, income and goals ahead on the money calendar.

BILLS AND SUBSCRIPTIONS
Marnie spots recurring payments, reminds you before bills are due and flags subscription price rises and duplicates.

ASK MARNIE
Ask "How much did I spend on food this month?" and get an answer from your own records. Choose Local, Automatic or Cloud AI in Settings.

CATEGORIES THAT LEARN
Fix a merchant or category once and Marnie remembers it for next time.

YOUR RECORDS STAY ON YOUR IPHONE
Your ledger is stored on your device. Cloud backup is optional, with an optional recovery key for end-to-end encryption. No bank login, and Marnie never moves money.

ALSO INCLUDED
• 46 currencies for travel and foreign spending
• Savings goals, net worth and a credit card payment plan
• Search every transaction by merchant, amount, category or note
• Home Screen widgets and Control Center controls

FREE TO START
Download Marnie free and track as much as you like by hand, voice or receipt scan. Free includes a monthly allowance of automatic captures and cloud AI. Marnie Pro (weekly, monthly or yearly) removes the automatic-capture cap, raises cloud AI allowances and extends forecasts to 60 and 90 days. A Marnie account is required.

Payment is charged to your Apple Account. Subscriptions renew automatically unless canceled at least 24 hours before the end of the current period. Manage or cancel in your Apple Account settings.

Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Privacy Policy: https://marnieapp.vercel.app/privacy

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| Marnie Pro Weekly | $1.99 | per 7 days |
| Marnie Pro Monthly | $5.99 | per month |
| Marnie Pro Yearly | $44.99 | per year |


## Is Marnie safe?

Not enough ratings yet to assess Marnie.

## Is Marnie legit?

Marnie: AI Expense Tracker appears legitimate, with a few gaps. The AppsHunter Legitimacy Score for Marnie is 65 out of 100 points across 7 verification signals from App Store and developer data.


## Version history (last 2 releases)

### 1.0.5 — 2026-10-12

Thanks for using Marnie! This update includes bug fixes and performance improvements.

### 1.0.4 — 2026-09-30

No release notes.

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## More apps by Sara Ghazanfar

- [TripCache: Itinerary Planner](https://appshunter.io/ios/app/tripcache-itinerary-planner/id6758403056)
- [Kivella Recipes & Meal Planner](https://appshunter.io/ios/app/kivella-recipes-and-meal-planner/id6797680089)

All apps by Sara Ghazanfar: https://appshunter.io/developer/6777113186

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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 2026-10-20.*