# Mune - Private Finance AI — Chat with your money privately

> Chat with your money privately (iPhone/iPad app by Pranav Karthik Mruthyunjayan.)

- Source: https://appshunter.io/ios/app/mune-private-finance-ai/id6777609206 (this page in markdown: same URL + `.md`)
- Developer: [Pranav Karthik Mruthyunjayan](https://appshunter.io/developer/1750069898)
- Category: Finance, Utilities
- Price: Free with in-app purchases
- Age rating: 4+
- Requires: iOS 17.0 · 126 MB
- Languages: American English
- Released: 2026-06-22
- Data updated: 2026-09-09
- User reviews in markdown: https://appshunter.io/ios/app/mune-private-finance-ai/id6777609206/reviews.md

## What is Mune?

Mune is the AI analyst in your pocket. It reads your spending on your iPhone, answers your questions in chat, and never ships your data to the cloud.

Other apps send your finances to a server to generate answers. Mune answers on your device.

Ask anything, answered on your iPhone
Chat with your spending in plain language. "What did I spend on food this month?" "Am I over budget anywhere?" "Show subscriptions I might have forgotten." One question, instant answer, entirely on-device.

Proactive insights
Mune notices before you open the app. Budget warnings, week-over-week spending changes, and anomalies surface automatically so nothing surprises you.

Subscription detective
Mune scans your transactions and surfaces recurring charges you forgot you were paying for.

Budgets and safe to spend
Set category budgets and see exactly what you can spend today without blowing the plan.

Cash flow timeline
See upcoming income and expenses laid out ahead of time so nothing hits your account unexpectedly.

Snap a receipt
Point your camera at a receipt. Mune reads the merchant, amount, date, and category automatically, on your device.

Net worth over time
All your accounts in one place, with your net worth tracked week by week so you can see real progress.

Bank sync (Pro)
Connect your accounts for automatic transaction import. Your bank credentials go directly to your bank through a secure, read-only connection and are never stored on our servers.

Unlock more with Mune Pro
Bank sync, smart insight notifications, a weekly money digest, subscription detection, safe to spend, and more. The on-device AI is free, Pro makes it proactive.

We are also way more affordable and powerful than the industry leaders in this space.

Your data stays yours
No ads. No selling your financial data. Transactions live on your device. Our servers never see them.

Terms of Use: https://askmune.app/terms

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| Mune Pro Monthly | $5.99 | per month |
| Mune Pro Yearly | $49.99 | per year |



## Version history (last 3 releases)

### 1.1 — 2026-07-24

Plan your month with a clearer Home, Safe to Spend, and Cash Flow Horizon, plus Moments stories and smarter Autopilot briefs.

New
• Moments stories and Your Week money digests you can skim in seconds
• Cash Flow Horizon forecasts dips and bills before payday
• Circles for private group expense splitting
• Money Flow Sankey to see where income actually goes
• Payday-aware Safe to Spend so your allowance matches real pay cycles
• Autopilot briefing with budget warnings and one-tap next steps

Improved
• Home, Plan, and Insights rebuilt around text-first insight widgets
• Plan Now, Recurring, and Future views for budgets, subscriptions, and goals
• Dark mode polish across the core money screens
• On-device voice replies use Apple speech synthesis

Fixed
• Contact picker no longer dismisses while adding a shared expense
• Circle expense saves no longer duplicate after a flaky CloudKit response

### 1.0.1 — 2026-06-27

Reconnect your bank without duplicate accounts, redeem offer codes in-app, and mark transfers during review so spending totals stay accurate.

New
• Redeem Apple offer codes from Settings and during onboarding

Improved
• Onboarding supports multiple goals, tracking habits, and pain points
• Restore purchases and redeem codes on the bank setup step
• Credit card payments and other transfers pair across longer posting gaps
• Unusual spending insights show the comparison window

Fixed
• Reconnecting a bank no longer duplicates accounts or transactions
• Paid-off credit cards no longer inflate net worth with your credit limit
• Swipe to dismiss the review inbox banner

### 1.0 — 2026-06-22

No release notes.

## More apps by Pranav Karthik Mruthyunjayan

- [Trackr - Manage Assignments](https://appshunter.io/ios/app/trackr-manage-assignments/id1479152010)
- [Washo](https://appshunter.io/ios/app/washo/id1521120340)
- [astARoid](https://appshunter.io/ios/app/astaroid/id1576093936)
- [ImagineBooth - Anime Yourself](https://appshunter.io/ios/app/imaginebooth-anime-yourself/id6743985890)
- [Limits: AI Usage Tracker](https://appshunter.io/ios/app/limits-ai-usage-tracker/id6783130074)

All apps by Pranav Karthik Mruthyunjayan: https://appshunter.io/developer/1750069898

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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 2026-09-09.*