# Tendi — AI Budgeting, Financial Advice

> AI-powered personal finance manager for budgeting, spending analysis, and goal achievement. (iPhone/iPad app by Tendi LLC.)

- Source: https://appshunter.io/ios/app/tendi/id6476342159 (this page in markdown: same URL + `.md`)
- Developer: [Tendi LLC](https://appshunter.io/developer/366931205)
- Category: Finance, Utilities
- Price: Free with in-app purchases
- Rating: 3.00/5 from 8 App Store ratings · 3 written reviews indexed
- Age rating: 4+
- Requires: iOS 26.0 · 5 MB
- Languages: English
- Released: 2025-01-09
- Data updated: 2026-07-17
- Monetization: free with in-app purchases
- User reviews in markdown: https://appshunter.io/ios/app/tendi/id6476342159/reviews.md

## What is Tendi?

Tendi is your private money coach — and it lives entirely on your iPhone.

No bank logins. No account to create. No data sent to a server. Tendi turns messy household finances into clear weekly wins, using a serious financial engine wrapped in something that actually feels good to open. This is Tendi v2, rebuilt from the ground up for privacy, speed, and momentum.

KNOW WHERE YOU STAND
Your Financial Health Index (FHI) scores your household from 0 to 100 across seven pillars: cashflow, debt load, emergency fund, savings momentum, goal clarity, family alignment, and habits. See what's holding you back — and the single fastest move to raise your score.

MUTILATE YOUR DEBT
Turn payoff into something you'll actually do. The Debt Mutilator models your real debts as "bosses," compares the Avalanche (APR Assassin) and Snowball (Momentum Mutilator) strategies, and shows your debt-free date, total interest, and how much future interest a small extra payment prevents. Slide the extra-payment dial and watch the math change in real time.

WIN WEEKLY MONEY MISSIONS
Small, finishable, and aimed at your biggest opportunity. Subscription purges, emergency-fund seeds, no-spend weekends, debt strikes — each mission shows its impact before you start and celebrates when you finish. Build a streak. Keep the momentum.

YOUR ON-DEVICE AI COACH
Ask real questions, like "Can we afford an extra $50 payment this week?", and get grounded answers based on your actual numbers. Powered by Apple Intelligence on supported devices, with a smart deterministic coach that keeps working even when AI isn't available. The coach never guesses at your math — it uses Tendi's tested finance engine.

IMPORT STATEMENTS, PRIVATELY
No bank connection required. Import a PDF, scan a paper statement with your camera, or load a CSV — everything is read on your iPhone. Tendi finds your transactions, categorizes them, and detects recurring charges without uploading a thing. Raw files are deleted after you review.

PLAN AS A FAMILY
Add household members, set shared goals, and run family money missions together. Money decisions are easier when everyone is pulling the same direction.

PRIVATE BY DESIGN
- No bank connection required
- No Tendi account, no server, no remote AI
- Statements processed on-device and deleted after review
- Optional Face ID app lock
- Encrypted backups you control
- Sanitized share cards — celebrate wins without revealing balances

Tendi is an educational financial planning tool. It is not investment, tax, or legal advice, and your FHI is not a credit score.

Membership unlocks unlimited missions, more monthly statement imports, the family mission board, and the full AI coach. Your first month is free.

Start where you are. Make one small move this week. Watch it add up.

## Key features

- AI-powered personalized financial guidance
- Automatic transaction categorization
- Spending insights and analysis
- Financial goal setting and tracking
- Recurring expense management
- Custom challenges for financial habits
- Secure bank account linking via Plaid

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| Tendi Plus | $3.99 | per month |
| Tendi Family | $6.99 | per month |
| Tendi Power | $9.99 | per month |
| Tendi Pro Monthly | $6.99 | per month |
| Tendi Basic Monthly | $3.99 | per month |


## Recent user reviews (3 of 3)

All indexed reviews: https://appshunter.io/ios/app/tendi/id6476342159/reviews.md

### 1/5 — Nonfunctional

*2025-08-27*

This app is atrocious. I wish I could figure out how to get them to delete my data from their system but even that doesn’t work. Unresponsive customer service team to make matters worse. STAY AWAY.

### 1/5 — Travesty

*2025-07-21*

I don’t have words for how disappointing this app was. It’s like they don’t even try. It let me register an account, then indicated that it was analyzing and would notify me in a “few minutes” when it was done - that time never came. On top of that, the app kept indicating that it didn’t have an account setup - but could tell me the balance and nothing else of the account I already set up. This app is a joke and doesn’t do a single thing it advertises. Steer clear. The 4 five star reviews must be from the fly by night jokers that created this garbage.

### 1/5 — Not registering

*2025-06-25*

Wanted to try but it will not let you register your email at all.

## Frequently asked questions about Tendi

### How does Tendi use AI for budgeting?

Tendi's AI analyzes your spending patterns and financial habits to offer personalized guidance, create tailored budgets, and suggest custom challenges to improve your financial behavior.

### Is Tendi secure for linking bank accounts?

Yes, Tendi uses top-notch security with state-of-the-art encryption to protect your financial data. It securely connects to online bank accounts using Plaid integration.

### What are the subscription plans for Tendi?

Tendi offers a 'Tendi Basic Monthly' plan for $3.99/month with a 7-day free trial, and a 'Tendi Pro Monthly' plan for $6.99/month.

### How often is Tendi updated?

The latest version of Tendi, 1.3, was last updated on March 5, 2025. Updates are released to improve features and security.

### What devices can I use Tendi on?

Tendi is available on iPhone and iPad devices, making it accessible for users on the Apple ecosystem.

### What is the age rating for Tendi?

Tendi has an age rating of 4+, indicating it is suitable for a wide range of users, including younger individuals learning about finance.

### Can Tendi help me save for specific goals?

Absolutely. Tendi allows you to set specific financial goals, such as saving for a vacation or building an emergency fund, and provides step-by-step guidance to help you achieve them.

### Does Tendi have ads?

No, Tendi does not contain advertisements. The app focuses on providing a clean and uninterrupted user experience for managing finances.

## Version history (last 5 releases)

### 2.0 — 2026-06-15

Tendi has been completely rebuilt.

This is a from-scratch reboot focused on privacy, speed, and momentum — a private money coach that runs entirely on your iPhone, with no bank connection and no server.

What's new:
• Financial Health Index — a 0 to 100 score across seven pillars, with your fastest win highlighted
• Debt Mutilator — compare Avalanche vs Snowball, see your debt-free date, and watch a small extra payment prevent future interest
• Weekly money missions — tiny, high-impact tasks with streaks and celebrations
• On-device AI money coach — grounded in your real numbers, powered by Apple Intelligence (with a deterministic fallback)
• Private statement import — PDF, camera scan, or CSV, all processed on-device; raw files deleted after review
• Family planning — household members, shared goals, and family missions
• Privacy by design — Face ID lock, encrypted backups, and sanitized share cards
• Now universal — beautiful on both iPhone and iPad
• Your first month is free

Thanks for being part of the reboot. Tell us what you'd love to see next.

### 1.3 — 2025-03-05

Updates to the Tendi iOS app and AI models are launched every two weeks. This update includes:
- Migration to new server architecture for increased scalability
- Improved conversational AI with greater financial context
- Improved AI response time to complex financial queries

### 1.2.11 — 2025-01-23

Updates to the Tendi iOS app and AI models are launched every two weeks. This update includes:
- Added greater support for free use version to set income and budget amounts manually
- Reduced app file size with optimized assets
- Improved conversational AI with greater financial context
- Improved AI response time to complex financial queries

### 1.2.9 — 2025-01-15

- Improved the AI Model reasoning to perform 2.13 times better than OpenAI ChatGPT at financial planning
- Improved UI text contrast in "dark mode".
- Improved settings layout to make it clearer when subscribed to Basic plan
- Improved Budget details chart layout for clear presentation

### 1.2.7 — 2025-01-09

No release notes.

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## More apps by Tendi LLC

- [Gig Mileage](https://appshunter.io/ios/app/gig-mileage/id6758357452)

All apps by Tendi LLC: https://appshunter.io/developer/366931205

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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 2026-07-17.*