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

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

- Source: https://appshunter.io/ios/app/pibo-money-ai-expense-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 · 44 MB
- Languages: American English, Japanese, Chinese (Simplified, China), European Spanish, Vietnamese
- Released: 2026-07-02
- Data updated: 2026-10-30

## 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 |


## Is Pibo Money safe?

Not enough ratings yet to assess Pibo Money.

## Is Pibo Money legit?

Pibo Money: AI Expense Tracker has limited verification signals. The AppsHunter Legitimacy Score for Pibo Money is 58 out of 100 points across 7 verification signals from App Store and developer data.


## Version history (last 5 releases)

### 1.3.4 — 2026-10-28

- Bug fixes and performance improvements.
- Chat performance improvements.

### 1.3.3 — 2026-10-25

Log everyday spending with fewer steps: Quick Log is now on Home, with shortcuts you can review and edit before saving.

New
• Find your pinned shortcuts and suggested income or expense entries directly on Home.
• Manage up to three pinned shortcuts shared between Home and AI Chat.
• Add a small or medium Quick Log widget to open a shortcut or manage your pins from your Home Screen.

Shortcuts always open an editable review. Tapping a shortcut never saves a transaction automatically.

### 1.3.2 — 2026-09-29

Chat with Pibo more each day: Free now has 20 Pibo Cloud messages a day, Plus 60, and Pro 180. Pibo Cloud AI chat now uses GPT-6 Luna.

Improved
• The remaining-message indicator reflects your plan’s new daily limit. Messages through your own configured AI provider do not use the Pibo Cloud allowance.
• The upgrade screen shows the actual chat and receipt-scan limits for each plan, with debt payoff simulations on Pro instead of presenting free features as paid-only.

Fixed
• Budget category names and the Add Budget and Edit Budget titles now appear in your chosen language.

### 1.3.1 — 2026-09-21

• 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.
• AI limits fallback — 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.

### 1.3.0 — 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.

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## Related topics

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

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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 2026-10-30.*