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What's new in 1.9.0: • Set an account's balance below zero, for overdrafts • See transfers in and out on each account • Search entries by asset, debt or savings goal • Performance and stability improvements
Expense tracker & budget planner with AI copilot: spending, bills, savings, debt
Money Manager: AI Budget is an expense tracker and budget planner with an AI Copilot built in. Track daily expenses, plan budgets that follow your payday, keep every bill and subscription on one timeline, pay down debt and watch your net worth grow. Ask about your money in plain language and let the Copilot set things up for you. AI Copilot: ask, don't dig Ask "how much did I spend on food this month?", "which budgets need attention?" or "can I afford this?" and get a real answer from your own records. Tell the Copilot to set up a grocery budget, log a purchase, add an account, schedule a bill or turn your planner into budgets, and it prepares the change for you. Every proposal is shown before it is applied, so you stay in control. Expense tracker that takes seconds Log income, expenses and transfers with categories, subcategories, labels, notes and receipt photos. Select many entries at once to tidy up your history. Search with quick filters for type, date, category and account. Bills you schedule once show up on time, ready to record in a tap, so your spending tracker stays complete. Budget planner that follows your payday Set the day you get paid and every budget, total and report follows your own cycle instead of the calendar month. Create daily, weekly, biweekly, monthly, quarterly, yearly or custom-range budgets. Progress bars show spending against each limit in real time, with a pace marker that shows where you should be today, and turn amber as a budget runs hot and red when it is spent. Bills and subscriptions on one timeline Schedule rent, utilities, loans and subscriptions once. See what is due this week and next, record a bill early when you pay ahead, and skip the ones that did not happen. Savings goals, trips and events Set savings goals with target amounts and watch the milestones fill in. Plan a trip, a wedding or a holiday with its own budget and planned costs, then see the real total per event. Debt tracker with installment plans Track money you owe and money owed to you, with monthly payments and installment plans. Record payments, monitor the remaining balance and see how each debt affects the months of runway you have. Accounts, credit cards and net worth Manage cash, bank accounts, e-wallets, savings and credit cards with limits, statement and due dates. Add investments, property, vehicles and valuables, record value changes and watch your net worth develop month by month. Wealth level, Money Path and achievements A wealth level shows how many months of spending your money would cover and what the next level takes. The Money Path is a guided checklist of money habits that ticks itself off from your own data. Achievements reward the streaks that move you forward. Reports and insights Cashflow charts of income versus expenses over time. Spending breakdown by category, daily activity, trends and heatmaps. A yearly report that follows your pay cycle. Export any period to a planner-grade PDF or an Excel workbook. Sync and shared spaces Sign in to sync across your phone and tablet, end-to-end encrypted. Keep personal and business money in separate spaces, or invite a partner to a shared space and run one budget together. More features - 150+ currencies with automatic exchange rates - 11 languages: English, Spanish, Indonesian, Malay, Burmese, Japanese, Hindi, German, Arabic, Turkish and Chinese - Dark mode and a home screen widget - Monthly planner for income, expenses and saving rate - Backup and restore any time Free and Pro The core app is free and genuinely usable: most features work, with a cap of 2 on some of them. Pro removes those caps and the ads, and includes cloud sync, shared spaces, custom categories and unlimited AI Copilot conversations. Pro is a subscription and can be cancelled any time in Google Play. Get Money Manager: AI Budget, the money manager and budget app that answers back.