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Logs purchases by voice or Apple Pay tap, with no manual entry.
MonAi is a mobile-only expense tracker built around voice input and iOS automation - an Apple Pay transaction, a screenshot, or an Action Button press can trigger a logged expense via Apple Shortcuts, and users can also just say what they bought. An in-app AI chat answers questions about spending, and budgets display as progress bars with support for shared lists and multiple currencies. It is built by a small team (credited as Flo, Zeki, and Charlie) under the developer name Florian Vates, distributed on iOS and Android with a free trial before subscriptions that range from about $3 to $8 a month depending on the plan, plus a family option covering up to six people.
App Store lists several tiers (Basic about $3.99/mo, Student about $2.99/mo, Family about $3.99/mo, an Advanced/Monthly option near $7.99/mo); the exact plan shown depends on region and offer.
Use tool ↗MonAI leans hard into iOS automation - Apple Pay taps and Shortcuts triggers mean expenses can get logged with almost no typing. That convenience is iOS-first by design, and the small indie team behind it means support is unlikely to move as fast as a funded competitor.
Watch out: Apple Pay auto-logging requires granting the app fairly deep access to transaction notifications.
Side-by-side fact sheets against the competitors our research names — pricing, platforms, API and both verdicts on one page.
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