Budget App & Money - SpendlyAI
Juan Andres Penaloza Torres Finance iPhoneiPadiPod touch
Budget App & Money - SpendlyAI is a free Finance app for iPhone and iPad by Juan Andres Penaloza Torres. Requires iOS 15.0. Updated October 17, 2026.
- Price
- Free
- on the App Store
- Size
- 100 MB
- Age 4+
- Updated
- Oct 17
- 2026 · v3.4.0
Screenshots
About Budget App & Money - SpendlyAI
Staying at the forefront of technology drives us. That is why SpendlyAI reinvents itself and turns its assistant into an agent: one that reads your accounts, budgets and bills, answers with your real numbers and proposes changes you approve with one tap. And if you work with Claude or Cursor, they can now manage your finances with you. SpendlyAI is the AI budget app that tracks your spending for you. Your expenses log themselves: the app reads your bank notifications and leaves each purchase ready to approve with one tap. Anything else, you just say out loud — "spent $84 at the supermarket" — and it is recorded in seconds. A SPENDING TRACKER THAT NEEDS NO TYPING - Automatic capture: your bank notification becomes a transaction you approve with one tap. - Log expenses by voice, chat or a photo of the receipt. The AI reads it, files it in the right category and saves it. - Recurring income and fixed bills scheduled once and never chased again. A MONTHLY BUDGET THAT ACTUALLY HOLDS Build your budget by month, fortnight or week, with per-category limits and an alert before you go over, not after. The budget ring shows how much money is left at a glance. MONEY FOR TWO, OR FOR THE WHOLE HOUSE Plan your family budget for groceries, rent, household bills and savings with your partner or family. Share a space with your partner or your family. Every expense one of you adds shows up on everyone's phone instantly, so the household budget finally stops living in a spreadsheet or a group chat. Your personal accounts stay exactly where they were: private, separate, and never mixed in. CREDIT CARD, DEBTS AND LOANS - Credit cards: available limit, statement and due dates, and every instalment purchase in its place. - Debts and loans with a full amortisation table, extra payments and the real date of your last instalment. - A simulator that shows how much interest you save by paying extra. SAVINGS, ACCOUNTS AND ANALYTICS - Savings pockets with goals and yield, so you can watch each one grow. - Accounts in several currencies with a clear breakdown and one total you can trust. - Charts and analytics that break your spending down by category, month after month. - A projection of your balance weeks ahead, based on what is already committed. BUILT FOR REAL LIFE No bank connection required, no card numbers, no ads getting in the way. SpendlyAI is not a bank and does not move your money: it is the place where you understand it. Everything works offline and lives on your device; cloud sync is there when you want your data on every phone you own. FREE AND PREMIUM Tracking expenses and spending, budgets, bills, credit cards, debts, pockets and analytics are free, with no limit on how much you record. Exporting your data is free too. Premium unlocks the unlimited AI agent, cloud sync, importing backups and priority support. Couple and Family plans add the shared space for two or five people. Money is easier when everyone can see the same numbers. Start today. Terms of Use (EULA): https://spendlyai-app.com/terms/
What’s new
Version 3.4.0 · Updated October 17, 2026
New: tags, a direct chat with our team and categories that adapt to you. The SpendlyAI agent keeps working with your real numbers, and now you can also group spending by context, write to us without leaving the app and reorganize your categories without losing anything. - An agent connected to your accounts, budgets and bills. It answers with your real numbers, not generalities - Tell it an expense in one sentence and it logs it; ask how much you can spend today or where to cut - You decide how it works: in approval mode every change arrives as a card you confirm; in no-approval mode the agent logs and edits on its own and tells you - Couple and Family plans to share accounts and budgets with whoever you choose, agent included - Tags group transactions from different categories by context: lunch stays in Food but carries the “Beach trip” tag, so you see what the whole trip cost - Filter your search by tag, or ask the agent to create tags, apply them to many transactions at once and tell you how much you spent on each - Chat directly with the SpendlyAI team from the home screen or from Help and privacy, and get the answer in the same conversation. You need an account - Move a subcategory to another category or make it a main one, turn a category into a subcategory, or merge two categories: transactions, recurring items and limits move with them - Your expenses log themselves from your bank notifications, Apple Pay, messages and emails: you approve Tell us what you think in the new support chat.
App privacy
The developer, Juan Andres Penaloza Torres, reported these privacy practices to Apple.
Data Used to Track You
The following data may be used to track you across apps and websites owned by other companies:
- Identifiers: Device ID
- Usage Data: Advertising Data
Data Linked to You
The following data, which may be collected and linked to your identity, may be used for the following purposes:
- Financial Info: Other Financial Info
- Contact Info: Email Address, Name
Used for: App Functionality
Data Not Linked to You
The following data, which may be collected but is not linked to your identity, may be used for the following purposes:
- Identifiers: Device ID
- Usage Data: Advertising Data, Product Interaction
- Diagnostics: Crash Data, Performance Data
- Location: Coarse Location
Used for: Third-Party Advertising, Analytics, App Functionality
Alternatives to Budget App & Money - SpendlyAI
Looking for apps like Budget App & Money - SpendlyAI? Here are 6 similar apps on the App Store. The highest rated is Pockito: AI Expense Tracker (5.0/5), and all 6 are free to download.
-
Finanzas Personales IA: Finvot
2.0
-
FinanzApp: Presupuestos e IA
4.7
-
Pockito: AI Expense Tracker
5.0
-
Finzito: Finanzas con IA
-
AI Money Manager & Expenses
4.8
-
Lukas - Control de gastos
5.0
| App | Rating | Price | Last updated | Compare |
|---|---|---|---|---|
| Budget App & Money - SpendlyAI | – | Free | October 17, 2026 | |
| Finanzas Personales IA: Finvot | 2.0 / 5 (1) | Free | Oct 19, 2026 | Compare |
| FinanzApp: Presupuestos e IA | 4.7 / 5 (3) | Free | May 11, 2026 | Compare |
| Pockito: AI Expense Tracker | 5.0 / 5 (1) | Free | Oct 6, 2026 | Compare |
| Finzito: Finanzas con IA | – | Free | Aug 7, 2026 | Compare |
| AI Money Manager & Expenses | 4.8 / 5 (5) | Free | Oct 18, 2026 | Compare |
| Lukas - Control de gastos | 5.0 / 5 (2) | Free | Oct 13, 2026 | Compare |