# ROI - AI Personal Finance — Checking & Investment Chat > AI personal finance chat for spending, saving, and investment insights. (iPhone/iPad app by NaturalUI Inc..) - Source: https://appshunter.io/ios/app/roi-ai-personal-finance/id6757680661 (this page in markdown: same URL + `.md`) - Developer: [NaturalUI Inc.](https://appshunter.io/developer/1776291196) - Category: Finance - Price: Free with in-app purchases - Rating: 4.00/5 from 4 App Store ratings · 3 written reviews indexed - Age rating: 4+ - Requires: iOS 17 · 44 MB - Languages: American English - Released: 2026-01-18 - Data updated: 2026-08-22 - Monetization: subscription - User reviews in markdown: https://appshunter.io/ios/app/roi-ai-personal-finance/id6757680661/reviews.md ## What is ROI? HOW TO USE ROI: 1. Connect your checking, savings, investment, and retirement accounts 2. Send a message to ROI about spending, saving, or planning 3. Get insights to help you make smarter financial decisions* ROI is an AI-powered personal finance chat app designed to help you understand your money faster and make better decisions with less effort. We’re not a traditional budgeting app full of spreadsheets and rules. ROI gives you clarity in plain language — so you can think clearly, act intentionally, and stay in control of your finances. ROI helps you: - Understand where your money is going - Think through tradeoffs before you spend - Build better habits over time - Feel more confident making financial decisions If you have questions or feedback, contact us at founders@naturalui.com . IMPORTANT DISCLAIMER: ROI is not a financial advisor and does not provide financial, investment, tax, or legal advice. All information and responses are for educational and informational purposes only. Any insights should be considered general guidance, not personalized advice. Always do your own research and consult a qualified professional before making financial decisions. *Use of ROI requires a subscription. TERMS: https://naturalui.com/roi/terms ## Key features - Connect checking, savings, and investment accounts - AI-powered financial insights via chat - Understand spending patterns - Plan for savings and investments - Build better financial habits - Plain-language financial guidance ## Pricing and in-app purchases Base price: Free. **Subscriptions** | Subscription | Price | Period | | --- | --- | --- | | ROI - Early Bird Pricing | $6.99 | per month | ## Recent user reviews (3 of 3) All indexed reviews: https://appshunter.io/ios/app/roi-ai-personal-finance/id6757680661/reviews.md ### 2/5 — Support / Plaid *2026-06-07* The app has potential but there is some places where it falls short first the plaid connections for Robinhood it attempts to login accept it takes you to the webpage and then when you login it doesn’t recognize the login and errors out next connected accounts I reached out and haven’t heard back from support so that has been an issue for me I first heard of the app on Reddit and had great faith on the app but it needs more assistance you cannot connect credit cards to the app is well so I think it’s only investments and checking accounts not really a full view of accounts honestly so it’s lacking a bit I could care less about the transactions I just want account view in total. ### 5/5 — Finally Back *2026-03-03* I’ve used Roi in the past, not sure if it’s the same app/developers. Great app for knowing your overall financial situation. Please allow users to connect Public.com to the app ### 5/5 — Genuinely Useful *2026-02-02* Most of my money used to just sit in a HYSA getting 4% because I had no clue what to do and couldn’t afford a financial advisor. Now I just talk to ROI when I have questions since it knows my financial situation more than me lol ## Frequently asked questions about ROI ### What is ROI? ROI is an AI-powered personal finance chat app designed to help you understand your money faster and make better decisions. It connects to your financial accounts to provide insights on spending, saving, and planning. ### Does ROI offer financial advice? ROI is not a financial advisor and does not provide financial, investment, tax, or legal advice. All information and responses are for educational and informational purposes only and should be considered general guidance. ### What accounts can I connect to ROI? You can connect your checking, savings, investment, and retirement accounts to ROI to get a comprehensive view of your finances. ### How does ROI help me manage my money? ROI helps you understand where your money is going, think through spending tradeoffs, build better habits, and feel more confident making financial decisions through conversational insights. ### Is ROI free to use? While the app is listed as 'Free' for download, the use of ROI requires a subscription for its full functionality. ### What devices is ROI available on? ROI is available on iPhone and iPad devices. ### How often is ROI updated? The latest version of ROI is 1.06, and it was last updated on March 14, 2026. This indicates a recent update frequency. ### What is the user sentiment for ROI? ROI has a high user rating of 5.0 stars from 3 ratings, suggesting very positive initial user sentiment. ## Version history (last 5 releases) ### 1.06 — 2026-03-14 Bug fixes & improvements ### 1.05 — 2026-03-11 Bug fixes & improvements ### 1.04 — 2026-02-15 Bug fixes & improvements ### 1.03 — 2026-02-02 Bug fixes & improvements ### 1.02 — 2026-01-30 Bug fixes & improvements ## More apps by NaturalUI Inc. - [Lovebent - Breakup counselor](https://appshunter.io/ios/app/lovebent-breakup-counselor/id6737429403) - [Praise - 77 Day Devotional](https://appshunter.io/ios/app/praise-77-day-devotional/id6743768845) - [WaddleWallet - Budget Pet](https://appshunter.io/ios/app/waddlewallet-budget-pet/id6749399265) - [KiwiCal - Cute Calorie Tracker](https://appshunter.io/ios/app/kiwical-cute-calorie-tracker/id6752586950) All apps by NaturalUI Inc.: https://appshunter.io/developer/1776291196 ## Related topics [roi](https://appshunter.io/ios/topics/roi) --- *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 2026-08-22.*