# Budget AI

> Budget AI is a personal expense tracker, income tracker and budget planner for iPhone and Android with automatic expense tracking, voice input and an AI receipt and statement scanner.

The official primary website is https://budgetai.appwrite.network/.
The linked pages describe current features, platform requirements, free access and Premium.
Features in the roadmap are planned and are not yet available.

## Product

- [English overview](https://budgetai.appwrite.network/): Product features and download links.
- [Обзор на русском](https://budgetai.appwrite.network/ru/): Возможности, требования и ссылки на приложение.
- [Automatic tracking](https://budgetai.appwrite.network/#automation): Automatic payment capture on iPhone and Android; AI categories, accounts and background processing.
- [Features](https://budgetai.appwrite.network/#features): Voice input, receipt scanning, budgeting, analytics, account-linked savings goals, cloud backups, AI chat, sync across devices (beta) and widgets.
- [FAQ](https://budgetai.appwrite.network/#faq): Platform support, free access, Premium, trial eligibility and data handling.
- [Вопросы и ответы](https://budgetai.appwrite.network/ru/#faq): Ответы о функциях, доступе и данных.
- [Roadmap](https://budgetai.appwrite.network/#coming-next): Features in development.

## Requirements

- iPhone: iOS 16 or later. Automatic tracking of Apple Pay purchases and bank SMS requires iOS 17 or later; bank app notifications require iOS 27 or later. Widgets require iOS 17 or later.
- Android: Android 7.0 or later. Automatic tracking reads notifications from the bank and wallet apps you choose.
- AI features need an internet connection and consent to AI processing.

## Free and Premium

- The free version has limits on accounts, categories, subcategories, active savings goals and AI usage. Two active savings goals are available for free.
- Premium removes the limits on accounts, categories and subcategories and adds recurring transactions, full Analytics with filters, AI category rules, app lock, CSV export, automatic cloud backups, the AI chat, sync across devices (beta), more savings goals and the Transaction API.
- Eligible offers include a free Premium trial. Availability, duration and prices are shown in the app.

## Setup guides

- [Setup guides](https://budgetai.appwrite.network/setup/): All guides for automatic tracking, filters, troubleshooting and your own AI.
- [Инструкции по настройке](https://budgetai.appwrite.network/ru/setup/): Все руководства на русском.
- [Android automatic tracking](https://budgetai.appwrite.network/setup/android/): Enable notification access, select bank apps, configure filters, check the connection and allow background activity. Payments are queued offline and retried when connectivity returns.
- [Google Pay purchases](https://budgetai.appwrite.network/setup/google-pay/): Track purchases from Google Wallet or bank notifications on Android.
- [Apple Pay on iOS 27+](https://budgetai.appwrite.network/setup/apple-pay-ios-27/): Add a ready-made shortcut for Apple Pay and allow its first run.
- [Bank SMS on iOS 27+](https://budgetai.appwrite.network/setup/sms-ios-27/): Add a ready-made shortcut for bank SMS.
- [Bank notifications on iOS 27+](https://budgetai.appwrite.network/setup/notifications-ios-27/): Add a ready-made shortcut for bank app notifications.
- [Apple Pay on iOS 17–26](https://budgetai.appwrite.network/setup/apple-pay-ios-17-26/): Create a Wallet automation in Shortcuts.
- [Bank SMS on iOS 17–26](https://budgetai.appwrite.network/setup/sms-ios-17-26/): Create a Message automation in Shortcuts.
- [Categories, accounts and filters](https://budgetai.appwrite.network/setup/categories-and-filters/): AI category rules, remembered merchants and cards, keyword filters and stop words.
- [A payment is missing or duplicated](https://budgetai.appwrite.network/setup/troubleshooting/): Check AI processing, filters, phone settings and the automation queue.
- [Analyze spending with your AI](https://budgetai.appwrite.network/setup/ai-analysis/): Export CSV from settings or Analytics, attach it to ChatGPT, Claude or another AI, and explore your income and expenses.
- [Custom iOS AI workflows](https://budgetai.appwrite.network/setup/custom-ios/): Extract payment details with your own AI and save prepared transactions through Shortcuts and Log Transaction.
- [Custom Android workflows](https://budgetai.appwrite.network/setup/custom-android/): Use Tasker, MacroDroid and budgetai:// links to recognize text or save transactions prepared by your own AI; since 2.0.5 such apps can also log transactions in the background through a broadcast ("Logging from other apps").

## Blog

- [Blog](https://budgetai.appwrite.network/blog/): Practical articles on automatic expense tracking, budgeting methods and analyzing spending with AI.
- [Блог](https://budgetai.appwrite.network/ru/blog/): Статьи об автоучёте расходов, способах вести бюджет и анализе трат с ИИ.
- [Budget app without linking your bank](https://budgetai.appwrite.network/blog/budget-app-without-linking-bank/): How automatic tracking works with Apple Pay automations, bank texts and notifications instead of a bank connection; what each method misses.
- [Track Apple Pay purchases automatically on iPhone](https://budgetai.appwrite.network/blog/track-apple-pay-purchases-iphone/): The Shortcuts Transaction trigger on iOS 17–27, its limits and how to avoid duplicates.
- [How to start tracking expenses](https://budgetai.appwrite.network/blog/start-tracking-expenses/): A 30-day plan with broad categories and a weekly review.
- [The 50/30/20 rule with a calculator](https://budgetai.appwrite.network/blog/50-30-20-budget-rule/): The rule, an interactive calculator, and pay-yourself-first, envelope and zero-based budgeting.
- [ChatGPT budget prompts](https://budgetai.appwrite.network/blog/chatgpt-budget-prompts/): Analyze a CSV export with ChatGPT or Claude: prompts, privacy settings and how to check the math.
- [Учёт расходов без подключения банка](https://budgetai.appwrite.network/ru/blog/budget-app-without-linking-bank/): Автоучёт по СМС, уведомлениям банков и Apple Pay вместо подключения банка.
- [Автоучёт трат на iPhone](https://budgetai.appwrite.network/ru/blog/track-apple-pay-purchases-iphone/): СМС, уведомления банка и Apple Pay через «Команды» на iOS 17–27.
- [Как начать вести учёт расходов](https://budgetai.appwrite.network/ru/blog/start-tracking-expenses/): План на 30 дней.
- [Правило 50/30/20 и калькулятор](https://budgetai.appwrite.network/ru/blog/50-30-20-budget-rule/): Калькулятор и другие способы вести бюджет.
- [Промпты для анализа расходов](https://budgetai.appwrite.network/ru/blog/chatgpt-budget-prompts/): Разбор CSV-выгрузки с ChatGPT и Claude.

## Data and integrations

- [Cloud backups](https://budgetai.appwrite.network/#cloud-backups): iCloud Drive and Google Drive on iPhone; Google Drive on Android from Google Play. Manual backups and restoration are free; automatic backups after data changes require Premium. RuStore supports file backups.
- [Sync across devices](https://budgetai.appwrite.network/#cloud-sync): Beta, included in Premium. Transactions, recurring transactions, accounts, categories, budgets and goals stay the same on iPhone, iPad and Android through the user's own iCloud or Google Drive account; works offline, changes are merged automatically; Budget AI's servers do not receive the data. Settings, card names and AI chats are not synced.
- [AI chat](https://budgetai.appwrite.network/#ai-chat): Built-in chat about the user's spending, budgets, goals and upcoming payments, with monthly tips; chats are stored on the device. Included in Premium.
- [Transaction API](https://budgetai.appwrite.network/#transaction-api): Add prepared transactions from personal scripts, bots and Shortcuts with an active subscription. Manual mode does not use AI tokens. API AI modes are still planned.
- Savings goals track linked account balances, with optional deadlines and monthly or weekly saving plans.

## App stores

- [App Store](https://apps.apple.com/app/id6756522502): Budget AI for iOS.
- [Google Play](https://play.google.com/store/apps/details?id=expense.tracker.budget.ai): Budget AI for Android.