Montrai: AI Budget & Expense

Track spending, plan your budget, and see your net worth in one calm, private place, now drawn as little worlds. Know what you’re on track to have left at month end and what you’re building toward. A LITTLE WORLD FOR EVERY BUDGET New in 3.0: each budget, savings goal and account is drawn as its own small world. The water is the money you still have, so you can tell at a glance where there's room and where it's running dry. Home is an island with your whole month on it, and your seed grows as you keep your rhythm. When a goal is reached, it's harvest time. LOG IT IN SECONDS Say “Coffee, five dollars” and Montrai’s assistant drafts the transaction for you to confirm. Type it, log several at once, or add it by hand. Nothing is saved until you approve it. PURCHASES FROM YOUR BANK NOTIFICATIONS (iOS 27) Set up a Shortcuts automation once, and purchase notifications from your bank apps wait in Montrai's inbox. Swipe right to log, left to dismiss. Montrai reads them on your device and never connects to your bank. KNOW WHAT’S LEFT The dashboard leads with the number that matters: what you’re on track to have left at month end. Budget pace shows whether you’re ahead or behind for this point in the month. SEE THE WHOLE PICTURE Keep balances, debts, savings goals, recurring subscriptions, and net worth together. Explore debt-payoff schedules, savings projections, and what-if net-worth scenarios. Supported foreign-currency accounts can show dated reference estimates. GROW TOWARD WHAT MATTERS Set savings goals, watch progress build, and keep a streak going with gentle check-ins. Reminders are optional. BRING YOUR DATA IN—AND TAKE IT OUT Import spreadsheets (.xlsx, .xls, .csv) or Montrai Markdown files. Export a formatted Excel or Markdown report, or download a complete raw JSON copy of your records. SHARE A SPACE Create or join up to two private spaces to track a household or trip with people you invite. Everyone sees the same numbers, and every member hears before shared access runs out. ON YOUR HOME SCREEN Widgets in the new look keep today’s spending a glance away, and Live Activities keep an in-progress session in view. PRIVATE BY DEFAULT Lock Montrai behind Face ID. Financial records are encrypted in transit and never sold. Analytics record which features you use—never an amount, balance, merchant, or note. Delete your account and its data inside the app at any time. FIVE LANGUAGES English, Spanish, French, Hindi, and Simplified Chinese. NO SUBSCRIPTIONS OR IN-APP PURCHASES Core money tracking and raw-data export are free. Optional rewarded ads can unlock AI passes, data-transfer credits, or 30 days of shared-space access. Montrai does not connect to your bank or read your accounts. You control what goes in—by voice, a bank notification you approve, import, or hand. Montrai is a personal budgeting tool and does not provide investment or financial advice. Projections and exchange-rate estimates are informational only.