# Personal Accounting - AI Money — Expense Tracker & Budget AI > AI-powered expense tracker and financial management app with receipt scanning and voice input. (iPhone/iPad app by Yunus Gulbuz.) - Source: https://appshunter.io/ios/app/personal-accounting-ai-money/id6751799901 (this page in markdown: same URL + `.md`) - Developer: [Yunus Gulbuz](https://appshunter.io/developer/1715121708) - Category: Finance, Shopping - Price: Free with in-app purchases - Rating: 5.00/5 from 4 App Store ratings - Age rating: 4+ - Requires: iOS 13.0 · 106 MB - Languages: American English, Arabic, French (France), German (Germany), Brazilian Portuguese, European Spanish, Turkish - Released: 2025-09-02 - Data updated: 2026-08-27 - Monetization: free with in-app purchases - User reviews in markdown: https://appshunter.io/ios/app/personal-accounting-ai-money/id6751799901/reviews.md ## What is Personal Accounting? Personal Accounting is the AI-powered expense tracker, budget planner and money manager that does the typing for you. Scan receipts, log expenses by voice, chat with your AI finance advisor — and now share your budget with family, protected by end-to-end encryption. AI RECEIPT & INVOICE SCANNING Point your camera at any receipt — AI does the rest. • Digitize receipts, invoices and bank statements in seconds • Amounts, dates and store details extracted automatically • Smart income & expense categorization • Bulk-import transactions from PDFs and bank statements VOICE EXPENSE TRACKING Say "I spent $50 at the grocery store" — logged instantly. • Record multiple transactions hands-free • Understands income, expenses, debts and payments • Natural language — speak in your own words AI FINANCE ADVISOR Chat with your own financial data. • "How much did I spend this month?" — instant answers • Personalized savings tips and budget advice • Month-by-month income vs expense comparisons FAMILY SHARING — NEW Run the household budget together. • Share chosen accounts, savings goals and notes with your family • Changes appear on everyone's phone within seconds • See who added each transaction • End-to-end encrypted: devices pair with a QR code — the key never touches our servers • You decide what's shared; everything else stays private CLOUD BACKUP & SECURITY Your data stays yours. • On-device AES-256 encryption and biometric lock (Face ID / fingerprint) • Optional cloud backup, encrypted on your device before upload — no one, not even we, can read it • Automatic daily local backups • Works offline — online features are optional COMPLETE INCOME & EXPENSE TRACKING • Detailed categories and multiple accounts: cash, bank, credit card • Debts, receivables, customer & supplier ledgers • Multi-currency incl. USD, EUR, GBP, TRY and gold (XAU) with live exchange rates SMART REPORTS & ANALYTICS • Visual spending charts and category breakdowns • Monthly & yearly income vs expense comparison • Savings rate and daily-average statistics • Export to PDF and Excel BUDGETS, REMINDERS & AUTOMATION • Monthly budgets with overspending alerts • Recurring transactions (salary, rent, bills) • Payment reminders via notifications MOTIVATION & GOALS • Daily streaks and 12 achievement badges • Set savings goals, track progress — and share goals with family if you like EASY TO USE • Clean interface with light & dark themes • Quick entry, swipe to edit, home-screen widget PREMIUM • Unlimited AI receipt scanning, voice input and AI advisor • Advanced analytics, ad-free experience, priority support WHO IS IT FOR? Families managing a shared budget, freelancers, small business owners, students — anyone who wants real control of their money. 7 LANGUAGES English, Turkish, German, Spanish, French, Portuguese and Arabic. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ ### What's New NEW — Family Sharing: share accounts, savings goals and notes with your family. Changes sync between phones in seconds, protected by end-to-end encryption (devices pair via QR code — keys never touch our servers). NEW — Encrypted cloud backup: your data is encrypted on your device before upload; only you can read it. Plus: Sign in with Apple & Google, automatic daily backups, and many fixes. ## Key features - AI receipt and invoice scanning - Voice expense tracking - AI finance advisor chat - Comprehensive income & expense tracking - Smart reports and analytics - Budget management and reminders - Offline functionality ## Pricing and in-app purchases Base price: Free. **Subscriptions** | Subscription | Price | Period | | --- | --- | --- | | Yıllık Pro Abonelik | $49.99 | per year | | Pro Subscription | $4.99 | per month | | Plus Subscription | $0.99 | per month | | Plus Subscription | $9.99 | per year | **One-time purchases** | Purchase | Price | Type | | --- | --- | --- | | AI Kullanım Hakkı | $14.99 | one-time | | 10 AI Kredisi | $5.99 | one-time | | 20 AI Credits | $9.99 | one-time | ## Frequently asked questions about Personal Accounting ### What is the primary function of Personal Accounting? Personal Accounting is an AI-powered app designed for expense tracking and financial management. It helps users digitize receipts, record expenses via voice, monitor income and spending, set budgets, and receive financial advice. ### How does Personal Accounting handle receipt scanning? The app uses AI to scan receipts, invoices, and bank statements. It automatically extracts key information like amounts, dates, and store details, and categorizes income and expenses. ### Can I track expenses using voice commands with Personal Accounting? Yes, you can record expenses hands-free by speaking commands like 'I spent $50 at the grocery store.' The AI can distinguish between income, expenses, debts, and payments using natural language understanding. ### What kind of financial advice does the AI advisor offer? The AI finance advisor can answer questions about your spending, provide savings tips, offer budget recommendations, and compare your income versus expenses across different months. ### Does Personal Accounting support multiple currencies? Yes, the app supports multiple currencies including USD, EUR, GBP, TRY, and gold (XAU). It also provides real-time exchange rates for automatic currency conversion. ### Is Personal Accounting secure and private? The app prioritizes security and privacy with all data stored locally using AES-256 encryption. It supports biometric locks and encrypted backups, with no data sent to external servers. ### Does Personal Accounting have ads? Yes, the free version of Personal Accounting contains advertisements. Users can opt for a premium subscription to remove ads and gain access to additional features. ### What are the subscription options for Personal Accounting? Personal Accounting offers several subscription plans, including monthly and yearly options for 'Plus' and 'Pro' tiers, with prices ranging from $0.99 to $49.99 per month or year. ## Version history (last 5 releases) ### 4.7.0 — 2026-07-14 New: data import (CSV/Excel), family sharing, and cloud backup. Redesigned Reports screen, quick access to AI analysis, and bug fixes. ### 4.6.0 — 2026-07-12 New: data import (CSV/Excel), family sharing, and cloud backup. Redesigned Reports screen, quick access to AI analysis, and bug fixes. ### 4.5.1 — 2026-07-09 New: data import (CSV/Excel), family sharing, and cloud backup. Redesigned Reports screen, quick access to AI analysis, and bug fixes. ### 4.5.0 — 2026-07-06 New: data import (CSV/Excel), family sharing, and cloud backup. Redesigned Reports screen, quick access to AI analysis, and bug fixes. ### 4.4.0 — 2026-07-06 What's new in 4.3.0: • Total Balance: see all your accounts converted into one combined balance in your main currency. • Reports: new "All accounts" view with multi-currency totals and filtering by tag. • Project & Travel tags: tag transactions (Holiday, Trip, Work…) and track spending per project. • Redesigned home screen widget with light/dark support, plus iOS Lock Screen widgets. • Siri Shortcuts & quick access: check your balance or add income/expense by voice, with amount and note. ## Apps similar to Personal Accounting | App | Rating | Price | Category | | --- | --- | --- | --- | | [BookBI: AI Accounting App](https://appshunter.io/ios/app/bookbi-ai-accounting-app/id6748306131) | 3.7 (3) | Free | Finance | | [Hızlı Cari: Borç Masraf Takip](https://appshunter.io/ios/app/hzl-cari-borc-masraf-takip/id6746715804) | — | Free | Finance | | [Finance AI: Budget Planner App](https://appshunter.io/ios/app/finance-ai-budget-planner-app/id6741549762) | — | Free | Finance | | [Pratik Muhasebe](https://appshunter.io/ios/app/pratik-muhasebe/id6740820848) | — | Free | Finance | | [ButcAI – Smart Finance Manager](https://appshunter.io/ios/app/butcai-smart-finance-manager/id6749953078) | 1.0 (1) | Free | Finance | | [Finpra: Kişisel Bütçe Yönetimi](https://appshunter.io/ios/app/finpra-kisisel-butce-yonetimi/id6739224511) | — | Free | Finance | ## More apps by Yunus Gulbuz - [Kamp ve Ötesi](https://appshunter.io/ios/app/kamp-ve-otesi/id6755356145) - [Loopday AI - Habit Tracker](https://appshunter.io/ios/app/loopday-ai-habit-tracker/id6760220329) - [Soulmood AI - Diary, Memoir](https://appshunter.io/ios/app/soulmood-ai-diary-memoir/id6760650962) - [Keyra AI Keyboard](https://appshunter.io/ios/app/keyra-ai-keyboard/id6792537064) All apps by Yunus Gulbuz: https://appshunter.io/developer/1715121708 ## Related topics [lightning personal accounting](https://appshunter.io/ios/topics/lightning-personal-accounting) --- *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 2026-08-27.*