# Payto - AI Expense Tracker — Shared Budget for Couples

> AI-powered expense tracker with voice input and personalized financial analysis. (iPhone/iPad app by Beomjin In.)

- Source: https://appshunter.io/ios/app/payto-ai-expense-tracker/id6761049047 (this page in markdown: same URL + `.md`)
- Developer: [Beomjin In](https://appshunter.io/developer/1791890813)
- Category: Finance, Productivity
- Price: Free with in-app purchases
- Age rating: 9+
- Requires: iOS 15.1 · 92 MB
- Languages: Korean, German (Germany), American English, Japanese, French (France)
- Released: 2026-04-04
- Data updated: 2026-08-24
- Monetization: free with in-app purchases
- User reviews in markdown: https://appshunter.io/ios/app/payto-ai-expense-tracker/id6761049047/reviews.md

## What is Payto?

Track your spending, grow your savings.

Just say it out loud. AI sorts the category and saves it instantly.
Every day, AI analyzes your habits and cheers you on.


[ Record by Talking ]

Say "lunch 7 dollars" or "three items at the convenience store."
Speak or type naturally, and AI figures out the amount, category, and date.
No need to pick a category yourself.


[ Choose Your AI Personality ]

Pick from 6 styles that match your vibe.

Friendly Coach - warm encouragement
Devil Mode - harsh truth when you need a push
Strict Teacher - focused on hitting your goals
Best Friend - relatable, casual, and real
Wall Street Trader - ROI and opportunity cost breakdowns
Minimalist - numbers and facts only

Ask anything.
How much did I spend on coffee this month?
If I save 300 dollars a month, how much will I have in a year?
Your AI answers right away.


[ Monthly AI Deep Analysis ]

Find out where you spent the most and where you wasted money.
Get a full report with category breakdowns, last month comparisons, and saving tips.


[ Together With Family and Partners ]

Manage finances together with your partner, roommate, or family.
Join with a single invite code and see who spent what in real time.


[ Key Features ]

- Voice and natural language input
- AI chat assistant
- Daily AI insight card
- Monthly AI deep analysis report
- 150+ detailed spending categories
- Automatic fixed expense tracking
- Monthly budget and reminder alerts
- Installment payment tracking
- Shared budget (invite members)
- Dark mode


[ Free to Start ]

Core features are completely free.
Start today and find out exactly where your money is going.

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

## Key features

- Voice and natural language expense logging
- AI chat assistant for financial queries
- Personalized AI insights and analysis
- Shared budgeting for families and partners
- Customizable AI personalities
- Detailed spending category tracking

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| Payto Pro: Monthly | $4.99 | per month |
| Payto Pro (Annual) | $44.99 | per year |


## Recent user reviews (2 of 2)

All indexed reviews: https://appshunter.io/ios/app/payto-ai-expense-tracker/id6761049047/reviews.md

### 5/5 — 요근래 어플 중 최고입니다

*2026-04-05*

가계부 어플을 많이 사용해왔지만 친한지인이 추천해줘서 사용해봤습니다. 우선 Ai로 간편하게 기록되는것도 너무 신기했고 캐릭터별로 저를 케어해주는게 너무 신선하고 재밌어요!

### 5/5 — AI들어간 가계부중 제일 좋아요 ㅎㅎ

*2026-04-04*

Ai가 자동으로 지출 정리해주는 게 편해서 따로 관리할 필요가 거의 없고
다른 가계부와 달리 UI가 특히나 깔끔하고 연인이나 친구랑 같이 쓰는 기능도 있어서 넘 좋아요! ㅎㅎ

## Frequently asked questions about Payto

### How does Payto track expenses?

Payto uses voice and natural language input to log expenses. You can simply speak or type entries like "lunch 7 dollars," and the AI automatically categorizes and saves them. It also supports automatic fixed expense tracking and installment payment tracking.

### What are the AI personality options in Payto?

Payto offers six AI personality styles to match your preferences, including a Friendly Coach, Devil Mode, Strict Teacher, Best Friend, Wall Street Trader, and Minimalist. Each offers a different approach to financial guidance and analysis.

### Can I manage finances with others using Payto?

Yes, Payto allows you to manage finances together with family and partners. You can invite members with a single code to see who spent what in real time and manage shared budgets.

### What kind of financial analysis does Payto provide?

Payto offers daily AI insight cards and monthly AI deep analysis reports. These reports break down spending, compare it to previous months, identify areas of waste, and provide saving tips.

### Is Payto free to use?

The core features of Payto are completely free to start. This allows you to begin tracking your expenses and understanding where your money is going without any initial cost.

### Does Payto have ads?

Yes, Payto contains advertisements. As a free application with in-app purchases, advertisements are displayed to support its continued development and operation.

### What devices does Payto support?

Payto is currently supported on iPhone and iPod devices. The app is designed for iOS users looking for advanced expense tracking capabilities.

### How often is Payto updated?

Payto was last updated on April 16, 2026, with version 1.0.1. The app is actively maintained to introduce new features and ensure reliability.

## Version history (last 5 releases)

### 1.0.4 — 2026-08-23

Bug fixes and stability improvements

• Fixed AI quick entry not working
• Fixed a crash on the chat screen
• Fixed a crash when adding a fixed expense
• Improved merchant name recognition so more entries are logged instantly
• Fixed member names not showing in shared ledgers
• Fixed the launch screen flashing light in dark mode

### 1.0.3 — 2026-08-22

We polished ledgers you share with others.

• See each member's spending
The home budget bar now splits by who spent what, so one line answers both "how much of my budget is left" and "who spent it".

• Entries show who added them
Shared ledgers stay clear at a glance.

• Better localization
Switching language now also switches date formats and AI suggestions.

• Consistent amounts
Currency symbols sit in the same place across lists and reports.

• The widget intro screen previews your real remaining budget.

Plus copy polish and small bug fixes.

### 1.0.2 — 2026-08-07

Snap a receipt — logging is done.

• Receipt & screenshot scanning
  Take a photo of a receipt or pick a banking-app screenshot, and AI logs it for you.
  Text recognition happens on your device, so your photos are never uploaded.

• Automatic subscription detection
  We spot recurring charges each month and offer to save them as fixed expenses.

• Search your transactions
  Search all history by merchant or memo and see the count and total instantly.
  "How much did I spend at Starbucks?" — answered in one tap.

• Lock Screen widget
  Check your remaining budget from the Lock Screen and tap once to log an expense.

• Log with Siri
  Just say "Log an expense in Payto" and you're done.

• Design refresh
  Added a soft ambient gradient and refined the dark mode palette throughout.

• Bug fixes
  Fixed an issue where the Stats, AI, and Settings screens could appear blank or
  fail to scroll on some iOS versions, plus other minor fixes.

### 1.0.1 — 2026-04-16

- Minor bug fixes
- Added challenge feature

### 1.0 — 2026-04-04

No release notes.

## More apps by Beomjin In

- [triplog - 여행 플래너](https://appshunter.io/ios/app/triplog/id6740840739)

All apps by Beomjin In: https://appshunter.io/developer/1791890813

---

*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 2026-08-24.*