AI Budget Assistant

I built a budgeting app because I was tired of typing every expense manually

For years I tried every budgeting app out there. They all had the same problem — you still had to open the app and type. Voice input, if it existed, was clunky. Receipt scanning was behind a paywall. Bank sync required handing over credentials.

So in February 2026 I started building my own.

The first version just did voice and receipt scanning. You'd say "spent 45 zloty at the grocery store" or take a photo of a receipt, and it would create the expense. That part felt right immediately.

Then I added bank notification capture — on Android, the app intercepts push notifications from your bank and creates expenses automatically, entirely on-device. No credentials, no API. That became the feature I'm most proud of.

Four months later the app has:

- Voice and receipt capture via Whisper and GPT-4

- Automatic bank notification parsing (40+ European banks)

- CSV import from Wise, mBank, PKO BP, Revolut and others

- Shared accounts for families with role-based access

- Telegram, WhatsApp, and Slack bots

- 9 languages, 6 currencies, offline-first with E2E encryption

- A free tier and a Pro subscription

It's live at ai-budget.pl, on Google Play, and the web app works too.

I'm still early — a few hundred users, MRR is modest. But the retention is solid and the feedback from families using shared accounts has been the most rewarding part.

Happy to answer questions about the tech stack, the AI integration, or what it's like building a consumer finance app as a solo developer.