MonAi

MonAi is an expense tracking app for iOS and Android. Users can log expenses by speaking naturally, typing plain-language notes such as "lunch $12", or automating entries through Apple Pay and Apple Shortcuts. The page describes AI chat for financial insights, shared expense lists for couples and groups, multi-currency support, budget tracking with spending limits, and recurring transactions. The website states a 4.8 star rating from over 8,500 users and describes the app as minimalist, aimed at people who want simple, frictionless tracking. It is free to download and try, with a subscription required to keep using it.

Key features

• Voice input with natural language processing
• Multi-expense recognition from speech
• Typed natural-language entry that detects amount, date, and category
• Automatic Apple Pay transaction logging with post-payment prompts
• Apple Shortcuts automations including Action Button, email forwarding, message triggers, and receipt or screenshot capture
• AI chat for financial questions and insights
• Shared expense lists with real-time sync for partners or groups
• Multi-currency support
• Budget tracking with per-category spending limits and progress bars
• Home screen widgets
• Recurring transactions
• Family plan covering up to 6 people through Apple Family Sharing

Best suited for

• People who want simple, low-friction expense tracking
• Couples or groups who split or share expenses
• iOS users who want automated logging through Apple Pay and Apple Shortcuts
• Users who want to set spending limits by category

Pricing

Free to download and try, then a subscription to keep using it. Specific subscription prices are not stated on the website.