# Money Tracker Expense & Budget

> Expense tracker and budget app with AI voice and receipt entry — no bank login needed.

- Category: [Productivity](https://finderatlas.com/categories/productivity)
- Pricing: Freemium
- Website: https://money.quhou123.com/en/
- Platforms: Web, iOS, Android
- Mobile app: available
- Last updated: 2026-10-30
- FinderAtlas page: https://finderatlas.com/tools/money-tracker-expense-budget

## Overview

Money Tracker is a free (with ads) expense tracker and budget app for Android and iPhone. Log spending by typing, AI voice, or receipt photo — then edit before save. Budgets, multi-currency, AA split, team books. No bank linking. Optional Premium: unlimited AI entry + Android Smart Notification Entry (confirm before save). Google Play: https://play.google.com/store/apps/details?id=com.freeman.moneymanager App Store: https://apps.apple.com/app/id6444122615

## Key features

- Manual entry
- AI voice and receipt entry
- AI assistant
- Budgets
- Reports and charts
- Multi-currency
- Split and team books
- Import and export
- Smart Notification Entry

## Pricing

- **Free** ($0): Ad-supported core tracking
- **Premium Monthly** ($2.99/month): Ad-free with extra features
- **Premium Yearly** ($29.99/year): Same Premium features billed yearly

## Best for

- Manual expense logging without linking a bank
- Splitting trip or shared costs
- Quick entry by voice or receipt photo

## Who uses it

- Individuals
- Travellers
- Couples and families
- Small business owners
- Friends splitting bills

## Strengths

- Free tier covers tracking, budgets, reports and split books
- No bank login required
- Voice and receipt-photo entry with confirmation before saving
- Works without an account, with data kept on the device
- Premium is relatively cheap at $2.99 per month on the US App Store

## Limitations

- Free version shows ads
- AI entry and chat are limited on the free tier
- No bank-feed sync, so entry is manual or notification-based
- Operator is an individual or small publisher with limited company information
- The privacy policy lists several ad and analytics services (AdMob, Facebook, Adjust)

## Not recommended for

- Users who want automatic bank-feed syncing
- Desktop or web-only users

## Integrations

- Google
- Apple
- Facebook (sign-in)

## FinderAtlas editorial scores (out of 10)

- Ease of Use: 8/10
- Value for Money: 8/10
- Feature Depth: 7.5/10
- Privacy & Data Handling: 6.5/10
- Transparency: 5.5/10

## Alternatives

- [ChatGPT](https://finderatlas.com/tools/chatgpt): OpenAI's AI assistant for writing, research, coding, image generation and voice chat ([compare](https://finderatlas.com/compare/chatgpt-vs-money-tracker-expense-budget))
- [Gamma](https://finderatlas.com/tools/gamma): Generate presentations, documents and websites from a prompt with an AI design partner ([compare](https://finderatlas.com/compare/gamma-vs-money-tracker-expense-budget))
- [Notion AI](https://finderatlas.com/tools/notion-ai): AI agent and writing assistant built into the Notion workspace for docs and databases ([compare](https://finderatlas.com/compare/money-tracker-expense-budget-vs-notion-ai))

## FAQ

**Does Money Tracker connect to my bank account?**

No. The site says it never asks for bank login details. Android Premium users can enable notification entry, which adds transactions only after confirmation.

**Is it free?**

Yes, with ads. Optional Premium removes ads and adds unlimited AI entry, bill import, app lock and more. The US App Store lists $2.99 monthly and $29.99 yearly.

**Where is my data stored?**

If you do not sign in, records stay on your phone. If you sign in, they are backed up to the developer's server at money.quhou123.com.

**Can I delete my data?**

The site says you can delete all data from the device and the cloud in Settings, and export it at any time.

**Can I split bills with others?**

Yes. Split (AA) books are free; team books and smart settle-up require Premium.

**Is there a web app?**

No. The website is a download page; the product is an iOS and Android app.