Money Diary · AI expense tracker & budgeting app

AI Expense Tracker & Budgeting App

Your money, finally in focus.

Track income, expenses, and savings goals, stay ahead of recurring bills, and log transactions in plain English with AI — all in one beautifully simple personal finance app.

Get started — it's free Explore the ledger

Theme

In the app

127k+

transactions logged across four palettes

First entry

~60s

from sign-up to a logged transaction

Currencies

with live exchange-rate conversion

Your data

100%

yours — stored in your account, never sold or mined

01 — The everyday ledger

Every rupee has a place.

Income, expenses, transfers, and IOUs — logged in seconds, filed into categories, and totalled the way you expect a journal to be.

Date	Description	Category	Amount
Sep 03	Salary — FCA	Income	+2,400.00
Sep 05	Groceries — Martinez market	Food	−86.40
Sep 06	NayaPay top-up	Transfers	−200.00
Sep 07	“I paid Ali for the gig on Tuesday.”	AILending	−500.00
Sep 08	Freelance — design sprint	Income	+450.00
Sep 09	Rent — September	Housing	−1,200.00

Sample rows, written by us. Yours stay in your account.

05 — More than a ledger

Built for the full picture.

Split costs with anyone, move your data whenever you want, and review every month with the detail your finances deserve.

Shared expenses page showing net positions and split balances between contacts — Split & IOUsShared expenses

Split & IOUs

Divide any expense between contacts and track exactly who owes whom. Settlements clear the balance automatically — no spreadsheet required.

Settings backup page showing CSV backup and restore options — Import & exportBackup & restore

Import & export

Export a full backup or a filtered CSV in seconds, optionally delivered to your inbox. Restore from a backup just as fast — your data is always portable.

Analytics page monthly review section with income, expense, and category breakdown — Reports & reviewsMonthly review

Reports & reviews

A monthly review breaks your spending into category insights and ranked line items. Open any month to see exactly where your money went.

Money Diary AI assistant — demo screenshot — Plain-English loggingtype it, filed for you

02 — Just describe it

Money you can talk to.

“Paid Ali 500 for the gig.” One sentence in, one row out — AI fills in the amount, category, and counterpart. No forms, no hunting.

Ask about your month, set a savings target, or check a bill's due date — all in plain English.

One-tap masking

Tap the eye to hide every balance and amount instantly — no settings menu needed.

Your data stays yours

Your financial data lives in your account and is never sold or used for advertising. AI features send the entries you log to our AI provider to interpret them — that's the only sharing, and you can use the app without it.