Money Manager: AI Budget
By Micro App Digital
About this app
Money Manager: AI Budget is a complete personal finance app with an AI Copilot built in — so you can ask about your money in plain language instead of digging through screens. Track expenses, run budgets that follow your pay cycle, and keep accounts, assets, debts and goals in one place. Turn on end-to-end encrypted sync and your data follows you across devices, readable only by you.
Features
AI Copilot
- Ask about your budgets, spending and debts in plain language.
- It can create budgets, log transactions and schedule bills for you.
- Every change is shown for confirmation first — nothing saves until you approve it.
Encrypted Cloud Sync
- Your data is encrypted on your device before it is uploaded.
- We store unreadable ciphertext — we cannot see your balances or transactions.
- Your recovery passphrase never leaves your device.
Expenses & Income
- Categories, subcategories, labels, notes and receipt photos.
- Recurring transactions for regular bills and income.
- 130+ currencies with automatic exchange rates.
Budgets That Fit Your Pay Cycle
- Daily, weekly, monthly, quarterly, yearly or custom ranges.
- A pace marker shows where your spending should be today.
- Set your pay date and every total follows that cycle, not the calendar.
Accounts & Credit Cards
- Bank, cash, e-wallet, savings and credit cards.
- Credit limits, statement days and due dates, with a one-tap bill payment.
Assets, Debts & Net Worth
- Track investments, property and valuables over time.
- Debts with optional installment plans and payment history.
- Watch your net worth develop month by month.
Reports You Can Keep
- Cashflow, category breakdowns, trends, heatmaps and a calendar view.
- Export any period to PDF or Excel.
Works Without An Account
- The core app runs fully offline, with no sign-in at all.
- Signing in is only needed for cloud sync and the AI Copilot.