# MoneyGoal.AI — Offline budgeting AI investing

> Offline budgeting AI investing (iPhone/iPad app by WEI-LUN CHEN.)

- Source: https://appshunter.io/ios/app/moneygoalai/id6747690379 (this page in markdown: same URL + `.md`)
- Developer: [WEI-LUN CHEN](https://appshunter.io/developer/1822416568)
- Category: Finance, Business
- Price: Free with in-app purchases
- Age rating: 17+
- Requires: iOS 12.0 · 45 MB
- Languages: American English
- Released: 2025-07-14
- Data updated: 2026-10-16

## What is MoneyGoal.AI?

Turn money into milestones
MoneyGoal is the all-in-one offline finance app built for Australians. Track income and spending, plan savings goals, manage assets, and unlock AI-powered investment suggestions—all in one clean interface.

Key Features
Goal-based planning
Create targets (car, house, holiday) with dates or “as soon as possible”; MoneyGoal instantly shows the path to success.

100 % offline storage
Every record stays on your device—no sign-in required.

SmartWealth™ AI engine
When online, OpenAI models analyse your cash flow and assets to recommend:
• High-dividend or broad-market ETFs & term deposits
• Dividend-oriented US ETFs
• Optimal cash reserve ratio
with projected annual returns.

Quick expense / income logging
One-tap entry, real-time charts.

Portfolio dashboard
View savings, stocks, crypto and term deposits with total value and weighted yield.

MoneyGoal Premium (optional subscription)
Unlock full AI portfolio allocation, historical back-testing, and expert chat. Subscriptions are processed securely by App Store.

Why MoneyGoal?
- Works perfectly offline—even on flight mode
- Optimised for Australian tax rules and markets
- Lightweight UI, lightning-fast onboarding
- No account needed—your data is truly yours

Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| MoneyGo.AI Yearly Subscription | $29.99 | per year |
| MoneyGo.AI Monthly Plan | $3.99 | per month |


## Is MoneyGoal.AI safe?

Not enough ratings yet to assess MoneyGoal.AI.

## Is MoneyGoal.AI legit?

MoneyGoal.AI has limited verification signals. The AppsHunter Legitimacy Score for MoneyGoal.AI is 55 out of 100 points across 7 verification signals from App Store and developer data.


## Version history (last 5 releases)

### 1.7.0 — 2025-08-19

Improve visualization of Income/Expense

### 1.5.0 — 2025-08-04

Fix a few issues

### 1.4.0 — 2025-07-31

Fix expense/income editing issue

### 1.3.0 — 2025-07-25

- Support language (ZH)

### 1.2.0 — 2025-07-21

Feature improvement
- Add support for multi-currency.
- Now AI financier will base on selected currency to provide associated market advise

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## More apps by WEI-LUN CHEN

- [Still Family - Co-Parenting](https://appshunter.io/ios/app/still-family-co-parenting/id6788244828)

All apps by WEI-LUN CHEN: https://appshunter.io/developer/1822416568

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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 2026-10-16.*