# Stowe: Track Money & AI Budget — Bills, Subscriptions, Savings > AI-powered personal finance tracker for spending, bills, and savings. (iPhone/iPad app by Stowe Financial Corp..) - Source: https://appshunter.io/ios/app/stowe-track-money-and-ai-budget/id6771858160 (this page in markdown: same URL + `.md`) - Developer: [Stowe Financial Corp.](https://appshunter.io/developer/1774750268) - Category: Finance, Productivity - Price: Free with in-app purchases - Age rating: 4+ - Requires: iOS 26.0 · 79 MB - Languages: American English - Released: 2026-06-17 - Data updated: 2026-08-24 - Monetization: freemium - User reviews in markdown: https://appshunter.io/ios/app/stowe-track-money-and-ai-budget/id6771858160/reviews.md ## What is Stowe? Stowe helps you track your money, understand your spending, lower everyday bills, cancel unused subscriptions, and get AI-powered guidance based on your real financial life. Start with a 7-day free trial. Connect your accounts, see where your money goes, and find practical ways to save without building a budget from scratch or managing every dollar by hand. Stowe is built for people who want their money to feel clearer, easier, and more under control. WHAT STOWE HELPS YOU DO Track your money automatically • See your spending, bills, income, transfers, and subscriptions in one place. Stowe can automatically recognize refunds, connect internal and external transfers, split transactions, and create custom rules that learn your spending habits and categories. Understand what changed • See why last month felt expensive. Stowe helps explain changes in groceries, takeout, bills, subscriptions, refunds, transfers, and unusual spending, so you are not left guessing. Compare your spending • Understand how your spending compares with similar households based on income range and location. See what is typical for categories like groceries, takeout, bills, recurring costs, and more. Use an AI budget built around you • Get guidance based on your actual spending, bills, goals, habits, and household. Stowe helps you stay on top of your money without forcing you into a rigid spreadsheet. Follow the 50/30/20 guideline • See how your needs, wants, and savings compare with the 50/30/20 guideline: 50% for needs, 30% for wants, and 20% for savings. Stowe helps you stay aligned with best practices while giving you guilt-free room to spend on what you love. Find ways to save • Spot recurring payments, rising bills, forgotten subscriptions, and everyday costs that may be worth changing. Cancel unused subscriptions • Find subscriptions you no longer use and cancel them from within Stowe. Check your cell phone plan • See whether you may be overpaying for your cell phone plan. If there is a better option, Stowe makes it easy to switch. Optimize your credit card • See whether your credit card matches how you actually spend. If there is a better option, Stowe can recommend a card that may help you earn more rewards or get more cash back. Ask questions about your money • Ask Stowe what changed, where you may be overpaying, what you can afford, or what to do next. Get answers based on your real financial picture. Plan around household expenses • See upcoming bills, recurring payments, subscriptions, and regular household costs, so you can plan ahead instead of being surprised. Share money clearly at home • Invite a partner, share household bills, and choose which accounts stay private or shared. Stowe gives households one clear view while still respecting personal privacy. Use Stowe offline • Stowe includes mobile app offline mode, so you can keep using key features even when your connection is limited. BUILT WITH PRIVACY IN MIND Stowe is designed to help you understand your money without turning your data into the product. Read-only access • Stowe cannot move your money. Connected account access is strictly read-only. Your data is not for sale • We do not sell, rent, or monetize your personal or financial data. Bank-grade security • Stowe uses strong security practices to help protect your account and financial information. BUILT FOR REAL LIFE Most budgeting apps make you categorize every transaction, check every chart, and manage every dollar by hand. Stowe is different. Use Stowe to track spending, monitor subscriptions, understand bills, compare household spending, find savings opportunities, optimize your credit card, check your cell phone plan, and get personalized AI money guidance. Stowe is for people who want to save more, spend better, and feel more in control without becoming a spreadsheet person. Terms of Use: https://joinstowe.com/terms Privacy Policy: https://joinstowe.com/privacy ## Key features - Automatic spending tracking - AI-powered financial guidance - Subscription cancellation - Household money sharing - Spending comparison - Offline mode ## Pricing and in-app purchases Base price: Free. **Subscriptions** | Subscription | Price | Period | | --- | --- | --- | | Yearly Subscription | $99.99 | per year | | Monthly Subscription | $14.99 | per month | ## Recent user reviews (10 of 10) All indexed reviews: https://appshunter.io/ios/app/stowe-track-money-and-ai-budget/id6771858160/reviews.md ### 5/5 — Fantastic Financial App *2026-08-01* This app has been a real eye opener for our family. We have uncovered some hidden costs and spending habits which have helped us save money. Would really recommend this to anyone trying to better manage their day to day finances. ### 5/5 — Peace of mind!! *2026-07-25* This app works really well for my needs. Not only did it help me figure out I was paying for a subscription I didn’t know I had, I use it the most to keep track of my transactions. It gives me peace of mind I can be so aware of my spending without going into my banking app and checking things manually. ### 5/5 — Best way to manage your money *2026-07-24* Most clear and easy way to see your financial picture across your accounts. The advisor keeps me accountable and on track ### 5/5 — Thoughtful and Useful *2026-07-21* This app is perfect for managing my money. The features are just what I need and it is incredibly simple to use and intuitive recommendations make it easy to save money and it’s just a little bit more streamlined than some of the competitors like Monarch for others. ### 5/5 — Great money manager *2026-07-15* This app can save you money in many ways. It keeps you honest about your spending and can even provide a daily summary for you. It compares to similar households to show you what you’re spending more or less on, and it can make recommendations on that basis. Definitely will save you more than the subscription cost. ### 5/5 — The budget app I needed all along! *2026-07-10* I love how this app suggests better mobile plans, along with helping me stay accountable and reviewing my transactions. ### 5/5 — So easy and so helpful! *2026-07-07* I love this app so much!! It is super intuitive, it helps me track what I want to, and it makes me really aware of my spending, where I could be more careful and I love the comparison with similar households. Stowe has helped me think about my overall spending and saving behaviour, and thats so important especially with a growing family! Highly recommend it ### 5/5 — Finally, a money app that gets how couples actually spend and budget! *2026-06-26* My partner and I have been looking for something that gives us a real picture of our household finances without having to share every purchase. Stowe makes this happen! I can see the full picture where it matters (bills, goals, subscriptions we forgot we had) and we each keep our own splurges private. I keep my ceramics habit and he keeps his record collection off the shared view. It's the first app that's actually worked for how we live. Genuinely recommend! ### 5/5 — Revolutionary & Simple *2026-06-23* ⭐⭐⭐⭐⭐ This app has completely changed the way I manage my finances. The AI insights are clear, personalized, and actually useful, helping me understand spending habits and identify opportunities to save money. The interface is intuitive, easy to navigate, and provides valuable recommendations without being overwhelming. It’s like having a personal financial coach available 24/7. Highly recommended for anyone looking to gain better control of their money and make smarter financial decisions. ### 5/5 — Great app!! *2026-06-22* Incredibly user friendly and intuitive app. This is the first time I’ve actually been curious to review my saving and spending habits without wanting to pull my hair out. ## Frequently asked questions about Stowe ### What is Stowe? Stowe is a personal finance application designed to help users track their money, understand spending habits, lower everyday bills, and cancel unused subscriptions. It provides AI-powered guidance based on your real financial data. ### Does Stowe have ads? The provided data does not indicate if Stowe contains advertisements. However, it does offer a free trial and subscription plans for its premium features. ### How much does Stowe cost? Stowe offers a 7-day free trial. After the trial, subscription plans include a monthly option for $14.99 and a yearly option for $99.99. ### Can I use Stowe offline? Yes, Stowe includes a mobile app offline mode, allowing you to use key features even when your internet connection is limited. ### How does Stowe compare my spending? Stowe allows you to compare your spending with similar households based on income range and location. This helps you understand what is typical for categories like groceries, takeout, and bills. ### Can Stowe help me cancel subscriptions? Yes, Stowe helps you find subscriptions you no longer use and offers the ability to cancel them directly from within the app. ### Is Stowe safe for household finances? Stowe is designed for household money sharing, allowing you to invite a partner and share bills while respecting personal privacy. You can choose which accounts are private or shared. ### When was Stowe last updated? Stowe was last updated on 2026-06-28 with version 1.0.3. ## Version history (last 5 releases) ### 1.0.9 — 2026-08-07 Just a couple minor bugs addressed in this version :) ### 1.0.8 — 2026-08-05 Bank connections now have a health check! From the bank connect screen you can see how each institution is doing and whether there are syncing or connection issues. That plus a handful of bugs have been fixed. ### 1.0.7 — 2026-07-30 We've got some bigger updates for you this time: smarter automations, a clearer look at your balances, and quicker access to account details. Let's take a look! • Smarter rules, now with splits: Automatically split new or multiple transactions based on the rules you set. • Your balance history: See how your account balances change month to month from the account screen. • Account details in a tap: Jump from any transaction to quickly view its source account balance and information. • Plus, bug fixes and refinements to keep everything running smoothly. ### 1.0.6 — 2026-07-17 Lots of small updates in this release that should make the app work a little better for you! - Transactions from accounts in other currencies are now shown in the correct currency. Household totals still use your default currency and don't convert exchange rates. - More control over privacy indicators. Choose whether transactions are marked as Private, Shared, or not labelled at all. - You can now tap the Insurance and Telecom cards on the Household screen to jump straight to those recurring transactions. - Improved transaction categorization and category labels. - Bug fixes, performance improvements, and a few behind-the-scenes cleanups. ### 1.0.5 — 2026-07-07 Another couple minor bug fixes! ## Related topics [stowe](https://appshunter.io/ios/topics/stowe) --- *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 2026-08-24.*