AI Money
by AI Money
Log spending by chat, voice or receipt photo, with no bank linking.
Reviewed by the the30top research team · Last reviewed 2026-10-27
Overview
AI Money keeps a local ledger and lets you add expenses by message, voice or a photo of a receipt, then ask Denis about your spending, savings pockets, debts and investments. It does not link to bank accounts and it never moves money. The vendor says AI features send data to its servers and to OpenAI. The free plan is limited to 2 questions a day, 3 savings pockets, 3 debts and 3 investments.
Our verdict
A light, cheap tracker for people who like control over their data. It tracks and answers questions. It does not act for you.
Best for
People who do not want to link a bank and prefer quick manual logging.
Avoid if
You want automatic transaction syncing or bill automation.
Pros
- Works with no bank linking
- Very low price for paid plans
- Fast logging by voice or receipt photo
Cons
- Manual logging, so it only knows what you tell it
- Free plan caps AI questions at 2 a day
- AI features send data to its servers and OpenAI
Key capabilities
Frequently asked questions
Does AI Money connect to my bank?
No. You log spending yourself by message, voice or receipt photo.
Can it move my money?
No. The vendor says it only tracks and never moves money.
What does the free plan include?
Free forever with ads, with 2 AI questions per day and 3 pockets, debts and investments.