Monoline iPhone · AI expense tracker One line and you're done
Write the way you talk — "Lunch burrito 12" — and the AI sorts out the amount, the category, and the store. No forms to fill in, no endless setup.
- No ads
- No bank linking
- No sign-up to start
- English · 日本語 · 한국어 · 中文
How it works
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Write one line
Type it into the bar at the bottom of the home screen, say it out loud, or snap a receipt.
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Glance at it
Check the amount, category, and store the AI filled in. Fix the date or payment method if you want to.
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The rest is automatic
Entries file themselves into the calendar, charts, and reports.
You write a line. The AI does the bookkeeping.
Amount, category, and store from one line
Put several things on one line — "bus 2.75, coffee 4.50" — and each becomes its own entry. Places you go often are sorted the way you sorted them before.
Hands full? Say it instead.
Tap the mic in the input bar and talk. Say a few purchases in a row and they're split into separate entries.
Just snap the receipt
Take up to 10 photos at once or choose them from your library. Each receipt's store, total, and line items are read for you, and you can split it item by item. The photo stays with the entry.
Ask your own ledger
Ask "How much did I spend on coffee this month?" or "What went up compared to last month?" and get an answer from your own entries. Free.
See where the month actually went
Charts by category, day, week, and weekday, plus a calendar. Monthly and yearly reports come as tables and charts you can share with a link.
No need to open the app
Home and Lock Screen widgets show this month's spending and remaining budget. Tap one to start a typed, spoken, or receipt entry right away.
One ledger for two
Invite a partner or family member with a link. You both record into the same ledger and see who added what. Shared ledgers are free.
Built for real life
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Multiple ledgers
Keep separate ledgers for household costs, fun money, and savings, each with its own currency.
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Trip ledgers
Set start and end dates to see which day you're on and how much you can still spend per day.
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Installments
Pick the number of months and the monthly payments are laid out ahead of time.
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Recurring bills
Rent and subscriptions are added automatically on the day they're due.
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Budgets that start on payday
Get paid on the 25th? Count your month from the 25th. Budgets can change month to month.
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No-spend days
Mark days you spent nothing and keep your streak going.
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Daily journal
Save a photo and a line about your day; each month becomes a little diary.
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iCloud backup · CSV
Automatic backup to iCloud Drive and CSV export any time.
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Any currency · 4 languages
US dollars or any other currency, in English, Japanese, Korean, or Traditional Chinese.
Private by default
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No bank or card linking
Monoline doesn't ask for bank or card logins or read your financial accounts.
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Your ledger lives on your iPhone
Entries are stored on the device, with optional iCloud Drive backup. Only shared ledgers are stored on our server so members stay in sync.
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AI only sees what it needs
The line you type and receipt photos go through our server to generative AI to be sorted. No name or account goes along with them.
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No ads, no sign-up
There are no ads. You only sign in with Apple or Google if you share a ledger.
Free is enough for most. Plus if you want more.
Free
$0
- One-line, voice, and receipt entry
- Charts, calendar, monthly and yearly reports
- AI chat
- Home and Lock Screen widgets
- Shared ledgers
- iCloud backup · CSV export
- Two ledgers
Plus
$1.99 / month
or $12.99 / year (US prices; local prices vary)
- Everything in Free
- Unlimited ledgers
No ads. Cancel any time in the App Store; your entries are kept. If you have more than two ledgers, only the top two in your list stay open.
Who it's for
A good fit if you
- gave up on budgeting apps because entering things took too long
- live on your own and want to keep an eye on everyday costs and bills
- don't want to connect a bank account or card
- want to track shared spending with a partner
- spend in more than one currency
Probably not for you if you
- want every bank and card transaction imported automatically — a bank-linked budgeting app fits better
- need to track investments or net worth
- use Android — it's iPhone only for now
Frequently asked questions
Is this an AI expense tracker? What does the AI do?
Yes. Write the way you talk — "Lunch burrito 12" — and the AI reads the amount, category, and store. Several items on one line, speaking instead of typing, or a photo of a receipt all work. You can also ask the AI chat about your own ledger, like "What went up compared to last month?"
Is it free? What's paid?
Entry, charts, reports, AI chat, widgets, backup, CSV export, two ledgers, and shared ledgers are free, with no ads. The Plus subscription ($1.99/month or $12.99/year in the US) removes the limit on how many ledgers you can have.
Do I have to connect a bank account or card?
No. There is no account linking at all. Every entry is one you typed, spoke, or photographed, so nothing reads your balances or statements.
Do I need an account to use it?
No. Install it and write the first line. You only sign in with Apple or Google if you want to share a ledger.
Is the app in English? Does it work with US dollars?
Yes. The app is in English, Japanese, Korean, and Traditional Chinese — Monoline, 一行家計簿, 한줄가계부, and 一行記帳 are the same app — and each ledger can use its own currency, including US dollars.
Can I share a ledger with my partner?
Yes. Turn sharing on for a ledger and invite them with a link; you both record into the same ledger. Shared ledgers are free.
Where does my data live?
Your own ledgers live on your device, with optional iCloud Drive backup; only shared ledgers are stored on our server so members stay in sync. The one-line text and receipt photos go through our server to generative AI, which reads the amount, category, and store and sends only the result back. A summary of each saved entry is also recorded on our server so we can see how the service is doing and improve how it classifies things. No name, email, or account goes along with the AI processing. The privacy policy lists what gets sent.
Is there an Android version?
No — it's iPhone only for now (iOS 17 or later).
Today's spending, in one line
Install it and write your first line. No sign-up, no complicated setup.