# SmartChi - AI Expense — AI Expense & Receipt Tracker

> AI Expense & Receipt Tracker (iPhone/iPad app by Suu Nguyen.)

- Source: https://appshunter.io/ios/app/smartchi-ai-expense/id6796603882 (this page in markdown: same URL + `.md`)
- Developer: [Suu Nguyen](https://appshunter.io/developer/1855576128)
- Category: Finance, Productivity
- Price: Free
- Age rating: 4+
- Requires: iOS 17.6 · 3 MB
- Languages: American English, French (France), German (Germany), Japanese, Korean, Chinese (Simplified, China), European Spanish, Vietnamese
- Released: 2026-08-15
- Data updated: 2026-10-14

## What is SmartChi?

SmartChi makes tracking your personal expenses fast, simple, and smart — powered by AI that runs entirely on your device. No account, no internet required.

- AI QUICK ADD
Just type a line like "Coffee at Highlands 45k" — AI automatically splits out the merchant, amount, and suggests the right category, saving instantly. No more multi-field forms for every expense.

- AUTOMATIC RECEIPT SCANNING
Snap a photo or pick one from your library, and on-device AI reads the amount, date, and merchant name for you to confirm — far faster than typing it all by hand.

- AI THAT LEARNS YOUR HABITS
The category classifier learns from your own spending patterns and corrections over time, getting smarter with every use — not a rigid fixed keyword list.

- SMART BUDGETS
Set monthly limits per category and get warned the moment you're approaching or over budget — proactive, not just a report after you've already overspent.

- FORECASTING & ANOMALY DETECTION
Estimates next month's spending using a weighted average of recent months, and flags categories that spike unusually compared to your normal habits.

- 8 LANGUAGES, 8 CURRENCIES
Vietnamese, English, Chinese, Spanish, French, Japanese, Korean, German — pick a language and the matching currency (VND, USD, EUR, CNY, JPY, KRW...) is set automatically, changeable independently anytime.

- PRIVATE BY DESIGN
Lock the app with Face ID/Touch ID to protect your personal spending data. Every AI feature — categorization, receipt OCR, forecasting — runs 100% on-device. No server, no account, no ads, no trackers of any kind.

- HOME SCREEN & LOCK SCREEN WIDGETS
Glance at this month's total spending, your logging streak, and the budget you're closest to hitting — right from your Home Screen, no need to open the app.

- DAILY REMINDERS
Turn on a nightly reminder so you never miss logging a transaction, building a lasting money-tracking habit.

- MODERN CARD-BASED UI
A clean, card-based design with full Light/Dark mode support — easy on the eyes, easy for anyone to use.

Download SmartChi today and start managing your money smarter — fast, private, and completely free.

## Is SmartChi safe?

Not enough ratings yet to assess SmartChi.

## Is SmartChi legit?

SmartChi - AI Expense appears legitimate, with a few gaps. The AppsHunter Legitimacy Score for SmartChi is 65 out of 100 points across 7 verification signals from App Store and developer data.


## Version history (last 2 releases)

### 1.0.2 — 2026-09-22

- Track income and expenses, with tags, receipts, and split transactions
- Set up recurring transactions and savings goals
- New period budgets to track spending by week, month, or custom range
- Redesigned transaction list with search, filters, swipe actions, and undo
- New tab-based navigation for faster access to everything
- Siri Shortcuts for quick expense logging, right from your voice
- Brand-new Apple Watch app for logging expenses on the go
- Optional iCloud sync to keep your data updated across devices
- Full localization, including lock screen and widget
- Various bug fixes and stability improvements

### 1.0.1 — 2026-08-15

No release notes.

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## More apps by Suu Nguyen

- [Lịch Vạn Niên – Lịch Âm Tử Vi](https://appshunter.io/ios/app/lich-van-nien-lich-am-tu-vi/id6755689329)
- [Vivis: Video & Slideshow](https://appshunter.io/ios/app/vivis-video-and-slideshow/id6787610960)
- [SUDOZA — Classic Sudoku](https://appshunter.io/ios/app/sudoza-classic-sudoku/id6800181894)

All apps by Suu Nguyen: https://appshunter.io/developer/1855576128

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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 2026-10-14.*