# Pearl - AI Money Companion — What's Safe To Spend Each Day > AI money companion for Gen Z to track spending, bills, and savings goals. (iPhone/iPad app by Pearl Tech Inc..) - Source: https://appshunter.io/ios/app/pearl-ai-money-companion/id6744872949 (this page in markdown: same URL + `.md`) - Developer: [Pearl Tech Inc.](https://appshunter.io/developer/1680612175) - Category: Finance, Entertainment - Price: Free with in-app purchases - Rating: 3.70/5 from 3 App Store ratings - Age rating: 17+ - Requires: iOS 16.6 · 77 MB - Languages: American English - Released: 2025-05-14 - Data updated: 2026-06-05 - Monetization: free with in-app purchases - User reviews in markdown: https://appshunter.io/ios/app/pearl-ai-money-companion/id6744872949/reviews.md ## What is Pearl? Stop guessing, start spending. Pearl is the AI money companion that actually gets it. Pearl is your chill, 24/7 money bestie for Gen Z that helps you hit your goals without the gatekeeping. Whether it’s rent, insurance, tuition, or that random subscription you forgot to cancel, Pearl tracks it all so you can spend on what matters with confidence—perfect for college students, interns, and new grads learning adulting money basics. It’s not just a budget planner—it’s a financial glow-up. THE MAIN VIBE: “SAFE-TO-SPEND” Pearl gives you one simple number: what you can spend right now while still covering your bills and savings goals. No more "I think I'm fine?" moments or payday jumpscares—just real-time spending limits, paycheck-to-paycheck clarity, and daily money tracking. WHY PEARL EATS: Automatic Bill Tracker: We find your recurring bills (subscriptions, utilities, rent) so you don’t have to. Set-Aside Goals: Travel, emergency funds, student loans, or investing—Pearl plans for it. Cash Flow Forecast: See your money’s future before next week hits (paycheck forecast + bill due dates). Smart Nudges: We’ll let you know if your weekend plans are about to ruin your rent money—so you stay on track without budgeting stress. CHAT LIKE A HUMAN No boring spreadsheets. Just ask Pearl: “Can I afford these shoes?” “How much for the weekend?” “Where is my money even going?” Pearl answers instantly with your real-time data—like a personal finance assistant for your bank account. SECURITY & PRIVACY We use secure bank connections and encrypted data. Pearl is a privacy-first informational tool for personal finance, budgeting, and cash flow. Note: Pearl is a planning tool for financial wellness and does not move money or provide investment/tax advice. ## Key features - Safe-to-spend number - Automatic bill tracking - Set-aside savings goals - Cash flow forecasting - Smart spending nudges - AI-powered chat assistance ## Pricing and in-app purchases Base price: Free. **Subscriptions** | Subscription | Price | Period | | --- | --- | --- | | Pearl One - Yearly | $89.99 | per year | | Pearl One - Monthly | $9.99 | per month | ## Frequently asked questions about Pearl ### What is Pearl's "safe-to-spend" feature? Pearl's "safe-to-spend" feature provides a single, clear number indicating how much you can spend right now while still covering your upcoming bills and savings goals. This helps you avoid "I think I'm fine?" moments and payday surprises by offering real-time spending limits. ### Does Pearl have ads? Yes, Pearl contains advertisements. As a free app with in-app purchases, advertisements are part of its operational model. ### How does Pearl track bills? Pearl automatically finds your recurring bills, such as subscriptions, utilities, and rent, so you don't have to manually input them. This feature helps you stay on top of your financial obligations without the hassle of remembering each due date. ### What are the subscription options for Pearl? Pearl offers two subscription plans: Pearl One Monthly at $9.99 per month and Pearl One Yearly at $89.99 per year. Both plans include a 7-day free trial. ### Is Pearl available on Android devices? Based on the provided information, Pearl is currently supported on iPhone and iPad. Support for Android devices is not specified in the current data. ### How secure is my financial data with Pearl? Pearl uses secure bank connections and encrypted data to protect your financial information. It is designed as a privacy-first informational tool for personal finance management. ### Can I get investment advice from Pearl? No, Pearl is a planning tool for financial wellness and does not provide investment or tax advice. Its focus is on budgeting, cash flow management, and helping you understand your spending habits. ### How often is Pearl updated? The latest version of Pearl is 1.1.63, and it was last updated on January 23, 2026. This indicates a relatively frequent update schedule, suggesting ongoing development and improvements. ## Version history (last 5 releases) ### 1.1.63 — 2026-01-23 See what's safe to spend each day and week. ### 1.1.62 — 2026-01-17 See what's safe to spend each day and week. ### 1.1.61 — 2026-01-13 See what's safe to spend each day and week. ### 1.1.6 — 2026-01-09 See what's safe to spend each day and week. ### 1.1.59 — 2026-01-06 See what's safe to spend each day and week. ## Apps similar to Pearl | App | Rating | Price | Category | | --- | --- | --- | --- | | [Wolfpack Financial](https://appshunter.io/ios/app/wolfpack-financial/id1610870346) | 4.2 (25) | Free | Finance | | [Fido: 10% APY Savings](https://appshunter.io/ios/app/fido-10-apy-savings/id6502919720) | 4.6 (48) | Free | Finance | | [Runrate](https://appshunter.io/ios/app/runrate/id6476164801) | 4.9 (29) | Free | Finance | | [Moola AI](https://appshunter.io/ios/app/moola-ai/id6740915918) | 5.0 (2) | Free | Finance | | [BNY Wealth Business Banking](https://appshunter.io/ios/app/bny-wealth-business-banking/id814840120) | — | Free | Finance | | [Ape In: Find & Track Memecoins](https://appshunter.io/ios/app/ape-in-find-and-track-memecoins/id6740499573) | 4.6 (11) | Free | Finance | ## More apps by Pearl Tech Inc. - [Pearl - See Who's Single](https://appshunter.io/ios/app/pearl-see-whos-single/id1632483250) All apps by Pearl Tech Inc.: https://appshunter.io/developer/1680612175 --- *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 2026-06-05.*