AI Financial Advisor
Personalised advice from Claude AI, grounded in your real numbers. Only runs after 30+ days of data so it’s useful.
Voice · Receipts · AI advisorVoice entry · Receipt photos · AI advisor · No bank login
“Spent 40 on groceries.” Snap the receipt. Done — categorised, dated, filed. Then a Claude-powered advisor tells you what your real numbers mean. Free to start, $3/month for everything.
Get it onGoogle PlayComing soonApp Store
Continue in your browserFree plan forever · No card · No bank login
incomewise.app
Income
$4,500
Spent
$2,961
Saved
$1,539
Where this month is heading
on trackMayJunJulAugSepOct
“Spent 40 on groceries”
Expense$40GroceriesToday learned
Groceries
Panda · receipt
Salary
Monthly
Fuel
Petrol
No bank login required 11 currencies supported Android app on Google Play Add expenses by voice Receipt photos attached Encrypted, zero trackers AI by Anthropic Claude Month-end forecast
Three seconds, not three minutes
Say it. Snap it. It’s filed.
Most people abandon budgeting apps in week three — not because the charts were wrong, but because logging every coffee is tedious. So we removed the typing.
Just say it
English voice commands
“Spent 40 on groceries”
Expense40GroceriesToday
Nothing is saved from speech alone. The form opens pre-filled so you can check the amount — then one tap adds it.
Snap the receipt
Stored with the transaction
- Photograph it at the till, or pick one from your library later.
- Resized on your device before upload — not on our servers, and not on your data plan.
- Opens in one tap from the wallet, months later, when the warranty claim lands.
- Deleting the transaction deletes the photo with it. No orphans.
Features
Every money tool, in one place.
A complete personal-finance toolkit, designed mobile-first, that stays out of your way.
Track income, expenses & investments
Log every transaction in seconds. Auto-categorisation, multi-currency, recurring schedules, instant search.
Bills & recurring payments
Mark bills paid in one tap. Monthly, weekly, yearly — the next due date advances automatically.
Subscription tracker
Find the subscriptions quietly draining your account, see the true annual cost, and get a nudge before each renewal.
Savings goals
Set a target, fund it from the dashboard, see live progress. Smart suggestions based on your savings rate.
Analytics & reports
Income-vs-expenses, category trends, day-of-week heatmap, month-by-month history. Themed Excel export included.
Loans — borrowed and lent
Principal, payments, remaining balance and next due date. Track what you owe AND what a friend still owes you.
Add expenses by voice
Say “spent 40 on groceries” and the form fills itself — amount, category, date. Say “go to analytics” and you’re there.
Snap the receipt
Photograph the receipt as you log the spend. It’s compressed on your phone, stored with the transaction, and one tap away forever.
New · Business Finance Manager
Run your business finances with confidence.
A complete business workspace inside IncomeWise: revenue, expenses, invoices, clients, multi-company books and an AI CFO — on the same Premium plan as your personal tools. One subscription, both worlds.
Revenue Management
Sales, services, subscriptions, consulting — every income stream tracked per client.
Expense Tracking
Payroll, marketing, software, travel — with custom categories and monthly breakdowns.
Invoicing
Create and track invoices; marking one paid logs the revenue automatically.
Client Management
Revenue, outstanding balances, and invoice history per client relationship.
Multi-Company
Run several companies with completely separate books. Switch instantly.
AI CFO
Profit levers, cost cuts, cash-flow outlook and hiring capacity — from your real numbers.
Explore Business Finance
Included with Premium — never a second subscription.
How it works
From sign-up to insight in five minutes.
- 01
Create your free account
Email + password. No credit card, no bank login. Works on any device — phone, tablet, laptop.
- 02
Speak it, snap it, or type it
Say “paid 1200 rent”, photograph the receipt, or fill the form. The category is picked for you either way.
- 03
Watch your dashboard fill up
Real-time charts, a health score, and smart insights that update with every entry — for any month, not just this one.
- 04
Unlock AI & exports with Premium
$3/month gets you AI advice, advanced analytics, Excel export, goals, loans, bills, and the whole business workspace.
Compare
Why pick IncomeWise?
An honest comparison with the alternatives most people consider.
| Feature | IncomeWise | Mint | YNAB | Excel |
|---|---|---|---|---|
| Price | $3 / month | Discontinued | $14.99 / mo | Free |
| Bank login required | No — manual | Yes | Optional | No |
| Voice entry | Yes | No | No | No |
| Receipt photos | Yes, attached | No | No | No |
| AI financial advisor | Yes (Claude) | No | No | No |
| Mobile / installable | Installable app | Yes | Yes | No |
| Excel-style export | Themed + charts | Basic CSV | CSV | Native |
| Multi-currency | 11 currencies | USD-centric | Limited | Manual |
| Zero third-party trackers | Yes | Ad-funded | Yes | Local-only |
| Free tier | Yes | — | 34-day trial | Yes |
Pricing
Simple, honest pricing.
No hidden tiers, no annual lock-in, no upsells.
Free
Everything you need to start.
$0/ forever
- Unlimited transactions
- Voice entry & receipt photos
- Multi-currency dashboard
- Budgets & health score
- No bank login, no trackers
Most popular
Premium
The whole toolkit, personal and business.
$3/ month
- Everything in Free
- AI Financial Advisor (Claude)
- Savings goals with funding suggestions
- Bill, loan & subscription trackers
- Advanced analytics & Excel export
- Business workspace & AI CFO
- Cancel anytime — your data stays
FAQ
Questions, answered.
Everything people usually ask before signing up.
What is IncomeWise?
IncomeWise is an income split planner and personal finance app for tracking income, expenses, investments, bills, loans, subscriptions and savings goals in one dashboard. You can add an expense by voice or attach a receipt photo, it forecasts where the month is heading from your previous months, and an optional AI advisor powered by Anthropic Claude reviews your real numbers. It needs no bank login, and the core app is free.
Is IncomeWise free?
Yes. Transactions, budgets, wallets, the dashboard, voice entry, receipt photos and multi-currency support are free with no time limit. Premium costs $3 a month and adds the AI Advisor, savings goals, the bill and loan trackers, advanced analytics, Excel export and the business workspace.
Can I use it on my phone?
Yes. The app is fully responsive and can be installed from the browser as an app on Android and iOS (a Progressive Web App), with its own icon and full-screen window. Your data is the same on every device you sign in on.
How does adding an expense by voice work?
Tap the microphone and say something like "spent 40 on groceries" or "paid 1200 rent yesterday". The app works out the type, amount, date and category, then opens the entry form already filled in so you can check it before saving. Nothing is written to your ledger from speech alone. English is supported today.
Does voice entry work without a microphone?
Yes. The same command box accepts the same sentence typed, so it works in browsers without speech recognition (such as Firefox and some in-app browsers) and when microphone access is blocked. Speech recognition itself works in Chrome, Edge and Safari, including on Android and iOS.
Can I attach a photo of my receipt?
Yes. When adding or editing any transaction you can photograph the receipt or pick an image from your library. It is resized and compressed on your own device before upload, stored with that transaction, and opens in one tap from the wallet. Deleting the transaction deletes the receipt with it.
Does the app learn which category I prefer?
Yes. Category suggestions learn from the transactions you have saved. If you file "Dinner" under Food, it suggests Food the next time you type Dinner. If you keep changing the default "Dining Out" to "Food", it starts suggesting Food for similar entries you have never typed before, such as "Breakfast". Learned picks are labelled "learned" in the form, and you can always change them.
How do I split my income into needs, lifestyle, savings and investments?
Set your split in Settings under Smart Income Allocation. The default is 50% needs, 20% lifestyle, 20% savings and 10% investments, and every percentage is editable as long as the four add up to 100%. The savings share is what the Fund Goal suggestions and the goals advisor plan around.
How does the month-end forecast work?
Analytics shows where the current month is heading, compared with up to your last three months. It separates fixed commitments such as rent and bills from day-to-day spending, so a big payment early in the month does not inflate the estimate. It also counts bills and income that usually arrive later in the month and have not arrived yet, and shows the expected spend and savings against your three-month average.
How much should I put into each savings goal?
When you fund a goal, the app suggests that goal's share of your savings plan (the savings percentage of this month's income), weighted by how much each goal needs per month to hit its deadline. The suggestion is never more than what is left unallocated this month, and it accounts for anything you have already put into that goal this month.
How does the AI Advisor work?
Your real figures are sent to Anthropic's Claude with a tightly scoped prompt, and it returns specific, numbered advice plus one priority action. It only runs once you have at least 30 days of history and five transactions, so the advice is based on your actual patterns rather than a generic template.
Do I need to connect my bank account?
No. You enter transactions yourself, by voice, by typing or with a receipt photo. There is no bank login, no Plaid connection and no read access to your real accounts.
Is my data secure?
Passwords are hashed with bcrypt, sessions use HTTP-only signed cookies, and data is stored in Postgres, encrypted at rest. The site is served only over HTTPS with HSTS, a strict Content Security Policy and rate limiting on sign-in and every write.
Do you sell my data?
No. There are no advertising partners and no third-party trackers, not even Google Analytics. The only revenue is Premium subscriptions.
How is this different from Mint, YNAB or a spreadsheet?
Mint was shut down by Intuit in 2024. YNAB costs $14.99 a month and is built around envelope budgeting with bank syncing. A spreadsheet has no voice entry, receipts, forecasting or AI. IncomeWise costs $3 a month, needs no bank login, and adds voice entry, receipt photos, a month-end forecast and a Claude-powered advisor.
Take control of your money this week.
Sign up in 30 seconds. No credit card. No bank login. Free for as long as you want.
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