Wallet AI is an intelligent personal finance app that uses AI to track expenses, analyze spending patterns, and provide tailored advice to help you save, invest, and budget smarter. Launched in 2022 and refined with 2025’s advanced ML models, it connects to your bank accounts, credit cards, and investment portfolios for real-time insights—think Mint meets ChatGPT. With features like predictive forecasting and personalized investment suggestions, it’s designed for millennials and Gen Z juggling multiple income streams. App Store rating: 4.8/5 (50k+ reviews), loved for its simplicity and accuracy in categorizing transactions.
Key Features (2025 Edition)
- AI Expense Tracking — Auto-categorizes transactions with 98% accuracy; detects anomalies like unusual charges.
- Personalized Budgets — Creates dynamic budgets based on income patterns; AI adjusts in real-time for life changes (e.g., salary hike).
- Investment Insights — Analyzes portfolios, suggests rebalances, and predicts returns using market data.
- Spending Predictions — Forecasts monthly outflows with “what-if” scenarios (e.g., “If I cut dining out 20%?”).
- Chat Advisor — Ask “Can I afford a new phone?” → Get breakdowns with pros/cons.
- Tax & Report Tools — Auto-generates reports for filings; multi-currency support for NRIs.
- 2025 Upgrades — Crypto tracking, ESG investment recommendations, and voice queries.
Where You Can Use Wallet AI
- Young Professionals — Track freelance gigs and side hustles.
- Families — Shared budgets and kid’s education planning.
- Investors — Portfolio health checks without spreadsheets.
- Indian Users — UPI integration, mutual fund analysis, and rupee-based forecasts.
Free or Paid?
- Free — Basic tracking, 1 account, limited insights.
- Premium — $4.99/month ($49.99/year) – Unlimited accounts, AI advisor, reports.
- Family — $7.99/month – Multi-user sharing.
Annual saves 20%; 30-day free trial.
Official URL
