# MoneySense AI Budget Assistant — Know what you can spend today

> Know what you can spend today (iPhone/iPad app by 洪坤 白.)

- Source: https://appshunter.io/ios/app/moneysense-ai-budget-assistant/id6760328080 (this page in markdown: same URL + `.md`)
- Developer: [洪坤 白](https://appshunter.io/developer/1540926944)
- Category: Finance, Utilities
- Price: Free with in-app purchases
- Age rating: 4+
- Requires: iOS 16.0 · 79 MB
- Languages: American English, French (France), Indonesian, Japanese, Korean, Chinese (Simplified, China), European Spanish, Chinese (Traditional, Taiwan), Vietnamese
- Released: 2026-03-20
- Data updated: 2026-08-23
- User reviews in markdown: https://appshunter.io/ios/app/moneysense-ai-budget-assistant/id6760328080/reviews.md

## What is MoneySense AI Budget Assistant?

MoneySense is your AI personal finance assistant — it tells you how much you can safely spend today and helps you plan tomorrow's cash flow.

[Today's Spendable]
Open MoneySense and instantly see what you can spend today. Not just a balance check — it combines your available balance, pay cycle, essential expenses, and confirmed reserves to calculate your real daily spending headroom. Money isn't for restricting your life; it's for helping you live more confidently.

[Balance Reconciliation]
After updating your account balance, MoneySense explains where the difference came from. Reconciled entries won't change your balance again — no more manual matching.

[AI Financial Insights]
• 30-day cash flow forecast: See funding gaps before they happen
• Anomaly alerts: Catch unusual spending automatically
• Spending pace analysis: Are you burning faster than usual this week?
• AI Financial Analyst Report: Full visual breakdown of income, expenses, assets, and risk

[Powerful Expense Tracking]
• Chat-based entry: Just type or speak naturally to record a transaction
• Photo receipt scanning: Snap a photo and AI extracts the details
• Voice input: Hold to speak, auto-transcribed for quick entry
• Multi-book support: Separate work, family, and personal books

[Bill Calendar]
Switch between month and week views. Swipe horizontally to navigate months. All your daily cash flow at a glance.

[Multi-Book & Budget]
• Create multiple books with full data isolation
• Flexible budgets: monthly, yearly, or custom periods
• Customizable account home: only see the modules you care about

[Life Awareness]
• Connect Apple Health for sleep, steps, and heart rate trends
• Connect Calendar and Reminders for daily schedule insights
• 10-second daily check-in: track mood, energy, and stress
• All data aggregated on-device — calendar titles and raw health samples are never stored

[Privacy First]
• All core calculations run on-device
• Sensitive data lives in a separate encrypted database, excluded from iCloud and standard backups
• AI features require explicit consent before sending de-identified aggregate data
• Widget privacy mode hides real amounts

[System Integration]
• Home screen Widget: Check today's spendable without opening the app
• Siri Shortcuts: Ask how much you can spend today
• iCloud Documents: Cross-device backup and restore

MoneySense — Spend today with confidence.

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| AI Pro Monthly | $2.99 | per month |
| AI Pro Yearly | $7.99 | per year |



## Version history (last 5 releases)

### 2.0.1 — 2026-08-19

MoneySense 2.0.1 — Know what you can spend today.

[New Features]

• Today's Spendable: On-device calculation combining balance, pay cycle, essential expenses, and confirmed reserves
• Balance Reconciliation: Auto-explains the difference after updating your balance; reconciled entries won't change it again
• Home Screen Widget: Check today's spendable without opening the app, with privacy mode
• Siri Shortcuts: Ask "how much can I spend today?"

[AI Upgrades]

• 30-day cash flow forecast and anomaly alerts
• AI Financial Analyst Report: visual breakdown of income, assets, and risk
• Spending persona and risk assessment

[Improvements]

• Chat history loads by date for long-term performance
• Bill calendar with horizontal swipe navigation
• Rebuilt multi-book and budget management
• Customizable account home modules

[Brand Update]

• Renamed from "Dongni" to "MoneySense"
• Added 7 new languages: English, Japanese, Korean, Spanish, French, Indonesian, Vietnamese

[Privacy Promise]

All core calculations run on-device. Sensitive data lives in a separate encrypted database, excluded from iCloud and standard backups.

### 1.1.6 — 2026-07-07

All financial data is stored locally — no cloud, no leaks. Understand You understands only you.

### 1.1.5 — 2026-06-11

bugfix

### 1.1.4 — 2026-06-03

bugfix

### 1.1.3 — 2026-05-20

news

## More apps by 洪坤 白

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- [AC Helper:Cabbage Price](https://appshunter.io/ios/app/ac-helpercabbage-price/id1544599334)
- [好物记-好物推荐网购返利省钱app](https://appshunter.io/ios/app/app/id1557809914)
- [montra Book Keep](https://appshunter.io/ios/app/montra-book-keep/id6451089276)

All apps by 洪坤 白: https://appshunter.io/developer/1540926944

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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 2026-08-23.*