MoneyMate AI

Where is your money going, and will it last the month? MoneyMate AI brings your income, expenses, bills, subscriptions and credit cards together in one place, and the AI assistant turns all of it into a summary you can actually act on.

HOW MUCH CAN I SPEND TODAY?
The home screen shows more than a balance. It subtracts the bills still due this month, the subscription charges coming up, your credit card payments and the money set aside for your savings goals, then divides what is left across the days remaining. That is your daily limit. The month-end forecast works the same way, building a daily rate from your variable spending only — a fixed cost like rent is paid once a month, so it never gets stretched across every day.

BILLS AND SUBSCRIPTIONS
• Add bills with a due date, mark them paid when you pay
• Track subscriptions on a monthly, quarterly or yearly cycle
• The charge is recorded automatically once the billing date passes
• Pause a subscription and resume it later, without losing its history
• See what your subscriptions cost you per month, at a glance
• Reminders arrive at civil hours, never in the middle of the night

WALLET AND ACCOUNTS
Keep cash and bank accounts separately, transfer between them, correct a balance by hand. No balance is ever stored on its own: every figure is derived from an income, expense, bill, transfer or adjustment record. That is why two screens never show you two different numbers.

CREDIT CARDS
Track card debt, how much of your limit is used, and your statement and due dates. A card purchase adds to the debt and a payment reduces it. On the cash flow calendar a card purchase appears on the day you pay the card, not the day you bought — so the same money is never spent twice.

BUDGET AND SAVINGS
Set a monthly budget, put a limit on each category, and let it renew every month on its own. Give a savings goal an amount and a date, log your contributions, and see exactly how much is left to go.

CASH FLOW CALENDAR AND REPORTS
The calendar projects your balance day by day across the weeks ahead. Weekly and monthly reports and a month-end closing summary show you where the money actually went.

AI ASSISTANT
Ask questions, get your situation summarised, get a read on your spending habits. Only totals and ratios are ever sent — your transaction list, merchant names and notes never leave your device.

PRIVACY AND SECURITY
• Your records are stored on your device
• Lock the app with Face ID
• Bank account numbers are kept as the last 4 digits only
• Delete all of your data permanently, in one step

IN 13 LANGUAGES
English, Turkish, German, Dutch, French, Spanish, Italian, Portuguese (Brazil), Arabic, Russian, Chinese, Japanese and Korean. Dates, amounts and currency symbols follow the app's language, not your device's.

WHAT YOU SHOULD KNOW
MoneyMate AI does not connect to your bank; you enter the records yourself. That means you never hand over a banking login. The app does not give investment, crypto or tax advice.

PREMIUM
Try the app for 2 days without entering any card details. After that, continue with a monthly or yearly subscription.

Subscriptions renew automatically at the end of each period unless cancelled. Your Apple Account is charged up to 24 hours before the period ends. You can manage or cancel your subscription at any time in your App Store account settings.

Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Privacy Policy: https://lydia-labs.com/legal/moneymate-privacy