AI Money
Verified Oct 15, 2026 ActiveLogs expenses from WhatsApp messages, voice notes, or receipt photos and sorts them into categories.
Listed on EffectHub ·
Pricing
- Pricing model
- Freemium
Free plan is ad-supported with unlimited manual entries, 2 WhatsApp logs and 2 questions to the assistant a day and 2 receipt scans a month. Pro and Elite are monthly or yearly subscriptions whose price the site says is shown in the app by country, so no USD price on the vendor's page.
Use tool ↗About AI Money
AI Money is a budgeting app where an assistant named Denis logs expenses sent by WhatsApp text, voice note, or receipt photo, then sorts them into categories and surfaces spending patterns. It targets people who find manual expense entry tedious, including freelancers, expats, and couples splitting shared costs. The free plan allows unlimited manual entries plus a small daily allowance of WhatsApp and receipt logging, shown with ads; the Pro subscription removes ads and adds automatic bank SMS capture, Apple Pay tracking, and cloud sync across devices. The app describes itself as built by a team with accounting backgrounds, though no company name or country is disclosed.
- API
- Not confirmed
- Last verified
- Oct 15, 2026
Verified sources
- Plans section lists Free ($0, 2 WhatsApp logs a day, 2 receipt scans a month, ads), Pro and Elite, with prices shown in the app by country (15 October 2026)ai-money.app ↗
- Home page describes logging by WhatsApp text, voice note or receipt photo to the Denis assistant, plus investment tracking, for iPhone, iPad, Mac and Android (15 October 2026)ai-money.app ↗
Is AI Money legit?
We don’t label tools safe or unsafe. Below are the records we checked ourselves, each with the date we read it.
- Domain registered
- Apr 17, 2026Registry record (RDAP), registrar Squarespace Domains II LLC., looked up Sep 6, 2026
- TLS certificate
- Issued by Let's Encrypt, valid until Dec 26, 2026Seen in our own connection to the site on Oct 15, 2026
- Last checked
- Oct 15, 2026The site answered
- Operated by
- AI MoneyOur research, card verified Oct 15, 2026
Pros & cons of AI Money
AI Money's WhatsApp-first logging removes the main friction of budgeting apps, having to open a separate app to record a purchase, which matters most for people who already text everything. The free tier is workable for light use, but the daily caps push regular users toward the subscription fairly quickly.
Pros
- Multiple logging methods (text, voice, photo) instead of just manual entry
- Free plan works with no card required, just capped usage
- Bank SMS and Apple Pay auto-capture on Pro removes most manual entry
Cons
- Daily caps on the free plan (2 WhatsApp logs, limited receipt scans) push toward paying quickly
- No company name or country disclosed on the site
- Routing financial messages through WhatsApp means trusting a third party with that data
Best for
- People who want to log spending by texting or sending a photo rather than opening an app
- Freelancers and expats juggling multiple currencies or income sources
- Couples who want a shared view of joint expenses
Not for
- Anyone uncomfortable sending financial details over WhatsApp
- People who want to see the subscription price before installing, since it is shown only inside the app
Watch out: Sending expense details over WhatsApp means trusting both AI Money and WhatsApp's infrastructure with financial information.