Money Vault: AI Expense Tracker: Track expenses by voice - AI handles the rest

Money Vault lets you record expenses by just talking. Say "coffee 4 dollars" and AI auto-categorizes it, picks the right account, and logs everything. No manual entry, no dropdowns. Also scans receipts, tracks subscriptions, supports 50+ currencies, and works completely offline. Your data never leaves your phone. Built solo with SwiftUI and on-device AI. Free on the App Store, Pro unlocks AI chat advisor and advanced stats.

Hey everyone! I'm Nicky, solo dev behind Money Vault. Every expense tracker I've used has the same problem: you tap through 5 screens to log a $3 coffee, and eventually you just stop tracking. So I built one where you talk instead of tapping. But here's what makes it different from "yet another voice expense app": 🎙 12 operations by voice. Not just "add expense." Transfer money between accounts, exchange currencies, edit or delete past entries, create categories. All by speaking naturally. "Move 500 from savings to wallet" just works. 🧠 It learns your habits. Say "coffee" twice and it remembers your preferred category, account, and currency. The smart cache uses similarity matching (85%+ accuracy) so even "grabbed a latte" maps to your coffee pattern. 🔍 Auto-detects subscriptions. Analyzes 180 days of history, finds recurring payments with ±5% tolerance (catches Netflix price changes), and predicts next billing dates. 💬 AI chat that actually knows your finances. Ask "how much did I spend on food this month?" or "compare my spending to last month" and get real answers based on your actual data. Not generic tips. Your numbers. 📸 Receipt scanner that reads individual items. Not just the total, but every line item, store name, and date. Works on crumpled paper receipts and PDF bank statements. 🌍 17 languages with number words. Say "fünfhundert Euro" or "cinq mille dollars" and it understands. Mix languages in one sentence. It parses relative dates too: "3 days ago", "last Tuesday." Built this 100% solo. SwiftUI, SwiftData, on-device NLP. Apple approved it first try, zero rejections. Free to start, Pro unlocks the AI chat and analytics. What would make you switch from your current tracker?