# Pibo Money: AI Budget Tracker — Bills, Debt & Savings Planner

> Bills, Debt & Savings Planner (iPhone/iPad app by Thuan Yen.)

- Source: https://appshunter.io/ios/app/pibo-money-ai-budget-tracker/id6753009978 (this page in markdown: same URL + `.md`)
- Developer: [Thuan Yen](https://appshunter.io/developer/1519937592)
- Category: Finance, Productivity
- Price: Free with in-app purchases
- Age rating: 4+
- Requires: iOS 17.0 · 43 MB
- Languages: American English, Japanese, Chinese (Simplified, China), European Spanish, Vietnamese
- Released: 2026-07-02
- Data updated: 2026-09-02
- User reviews in markdown: https://appshunter.io/ios/app/pibo-money-ai-budget-tracker/id6753009978/reviews.md

## What is Pibo Money?

Pibo Money is the AI-powered personal finance app that makes budgeting and expense tracking effortless. Type what you spent, ask about your balances, or create a budget — Pibo handles the rest.

PLAIN LANGUAGE, NO FORMS
"I spent $45 at the grocery store." Done — Pibo logs it. "How much did I spend on dining this month?" Pibo answers instantly. "Set a $500 budget for groceries." Created. No forms, no menus, no friction — just plain language.

Every change Pibo suggests appears as a review card first. You confirm or skip — your data is never modified without your approval.

YOUR COMPLETE FINANCIAL PICTURE
Open the app to a beautiful, real-time dashboard showing account balances, daily spending, monthly income and cash flow, budget status, savings progress, and net worth — all on one screen. Nudge banners alert you to overspending, upcoming bills, or savings milestones.

ONE CALM MONEY HUB
Accounts, budgets, debt, and goals live together in one Financials manager — each with its own focused workspace, so you always know where you stand at a glance.

SMART BUDGETS THAT WORK
Create weekly, monthly, yearly, or custom-period budgets by category. See exactly what is left, and what each category costs, in real time. The dashboard alerts you the moment a category goes over, and Pibo celebrates your streaks when you stay on track.

SAVINGS GOALS WITH VISUAL PROGRESS
Turn any dream into a plan. Choose from 8 goal types — Emergency Fund, Vacation, Home, Education, and more. Watch progress rings fill as you contribute. Each contribution is a real transaction that keeps your account balances accurate automatically.

DEBT TRACKING & PAYOFF SIMULATOR
Track loans and credit cards with interest rates, minimum payments, and due dates. Use the interactive payoff simulator to see exactly when you'll be debt-free — and how much interest you save by paying more. Payments are logged as real transactions so your net worth stays accurate.

SNAP RECEIPTS, SKIP THE TYPING
Scan a receipt with your camera — Pibo reads it, extracts the merchant, amount, date, and line items, then pre-fills a transaction for your review. Detectable personal information is filtered before AI processing; the original image is not sent.

POWERFUL REPORTS & INSIGHTS
Generate 6 report types — Spending, Net Worth, Monthly Summary, Budget Performance, Tax Summary, and Transaction Export — as PDFs or Excel-ready CSVs. Review financial health metrics across accounts, budgets, savings, debt and analytics. All reports are generated offline from your local data.

SMART REMINDERS
Pibo helps you stay on top of your finances. Next Best Action surfaces the entries and reviews waiting on you, ordered by impact. Reminders alert you to upcoming bills, flag unusual spending, and celebrate budget streaks.

BANK-GRADE PRIVACY
Your financial data is stored locally on your device, protected by multiple layers of security:
• iOS App Sandbox isolation
• Hardware AES-256 encryption (data inaccessible when locked)
• Keychain-protected credentials (hardware-bound, non-exportable)
• Passphrase-encrypted backups only you can unlock

AI features are completely opt-in. Revoke consent anytime from Settings. No account data is ever stored on our servers.

DESIGNED FOR YOU
• 5 languages — English, Vietnamese, Spanish, Japanese & Simplified Chinese
• One currency for the whole app — USD, EUR, GBP, JPY, CNY, VND and more
• Dark mode and light mode
• Recurring transaction management
• Account-to-account transfers
• Direct balance adjustments for bank reconciliation
• Encrypted backup & restore, with Restore Purchases support
• Onboarding wizard with a suggested starting budget you can edit

Pibo Money is a budget and transaction tracker — not a financial advisor. It does not provide financial, investment, or tax advice.

Download Pibo Money and take control of your budget — one conversation at a time.

Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| Pibo Pro Annual | $39.99 | per year |
| Pibo Plus Monthly | $2.99 | per month |
| Pibo Pro Monthly | $4.99 | per month |
| Pibo Plus Annual | $19.99 | per year |
| Pibo Plus Weekly | $1.49 | per 7 days |
| Pibo Pro Weekly | $2.49 | per 7 days |



## Version history (last 5 releases)

### 1.3.0 — 2026-08-28

• Use your own AI provider — bring your own API key, choose a model, and set how hard it thinks. Setup is clearer about what is and isn't configured yet.
• Honest AI limits — if a provider isn't fully set up, Pibo now says so plainly: requests fall back to the built-in cloud AI and still count toward your daily messages.
• Faster provider switching — model lists no longer stall or show results from a provider you already moved away from.
• Clearer connection errors — a wrong endpoint now reports what actually failed instead of a generic message.
• A tidier assistant — draft cards read better when you open one to check the details before saving.
• Smoother savings contributions, recurring schedules and transaction saves.
• Bug fixes and stability improvements.

### 1.2.1 — 2026-08-20

• Backup & restore, rebuilt — export your encrypted backup straight to Files, restore with clearer step-by-step status, and see exactly what your passphrase protects before you set it.
• Sturdier restores — backups containing incomplete or unusual records are now rejected cleanly instead of importing damaged data.
• A sharper assistant — Pibo's draft cards keep the account, category and amount you picked, the keyboard no longer covers the amount field, and suggestions follow what is actually in your records.
• Clearer AI limits — your remaining daily messages are always accurate, and the limit notice explains what happens next.
• Budgets that keep up — budget detail refreshes the moment a transaction lands or a filter changes.
• More of your language — dashboard rows and headers, insights, quick log and recurring schedules now read in your language.
• Accurate net worth history and due-today goals.
• Bug fixes and stability improvements.

### 1.2.0 — 2026-07-30

• iOS 26 UI improvements  
• Amounts in your own format — type figures the way your language writes them, with the decimal mark and digit grouping your region uses.
• Fully localized — account types, categories, budgets, reports, charts and transaction details now read in your language, including opening balances.
• Budgets that follow the calendar — monthly budgets now run through the real end of each month.
• Polish — steadier dashboard cards, cleaner buttons in sheets, tidier amount suggestions, and the assistant is now called Pibo throughout.
• Bugs fix

### 1.1.0 — 2026-07-19

• Faster AI chat — quicker responses, smoother streaming, and steadier replies from Pibo.
• New: transaction search in chat — ask Pibo to find transactions and see matching results right in the conversation.
• Smoother chat screen — the conversation stays put while you type, send, and switch chats; keyboard transitions are seamless.
• Bug fixes — resolved an error that could interrupt AI replies, fixed a loading flicker when adding debts, plus polish throughout.

### 1.0.3 — 2026-07-10

• Redesigned AI chat — a faster, smoother composer that expands when you need it and steps aside when you don't, with snappier keyboard and typing feedback.
• New weekly plan — try Pibo Plus or Pibo Pro with a low-commitment weekly subscription.
• Smarter spending flow — clearer fund-first guidance and cleaner at-a-glance visuals across transactions, accounts, and your dashboard.
• Polish & fixes — improved reliability, refined visuals, and localization updates throughout.

## Related topics

[pibo](https://appshunter.io/ios/topics/pibo)

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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 2026-09-02.*