AI budgeting app

An AI budgeting app you can just tell.

Type "12 chipotle" and Numo, the assistant inside NetWorth+, turns it into a transaction in the right account and category, waiting for you to tap Save. Ask where your money went and it answers from figures your phone has worked out.

Plain words in, transactions outReads receipt photosNo bank login

Numo, the assistant

What you can ask

Record a spend"12 chipotle" becomes a draft to save
Ask about your moneyWhere did it go this month?
Fix what is thereCorrect an entry already saved
Read a receiptA photo becomes a transaction

In short

NetWorth+ is a budgeting app for iPhone and Android with an AI assistant called Numo. You type what you spent in plain words and Numo builds the transaction for you to save, reads receipt photos, fixes entries already saved, changes settings, and answers questions about your money from figures your phone works out. Your ledger is never sent to the AI. The app never connects to your bank.

Assistant

Numo, built in

Saves

Only when you tap Save

Platforms

iPhone and Android

Bank login

Never asked for

What Numo does

Less typing, more knowing

Records what you say

A few words become a transaction in the right account and category. Nothing is saved until you tap Save.

Answers about your money

Ask what you spent on dining out this month, or what is left in a budget, and get the figure.

Reads a receipt photo

Take a picture of a receipt and Numo fills in the transaction for you to check.

Fixes what is already there

Change an amount or a category on an entry you already saved, by asking.

Changes your settings

Ask for a setting to change instead of hunting through menus.

Knows what is waiting

Numo can tell you what is waiting in your Financial Inbox for approval.

Privacy

Your ledger never goes to the AI

An AI assistant should not need your whole financial history to help you.

When you record a spend, Numo gets the sentence you typed. When you ask a question, the figures are worked out on your phone first, and Numo answers from those. Your list of transactions is not sent.

And because NetWorth+ never connects to your bank, there is no bank access for the assistant to reach either. The Numo page lists exactly what is sent and what is not.

How it works

Three steps, and you hold the last one

You write a sentence

"12 chipotle", "gas 48 on my credit card", or a question about your month.

Numo builds a draft

The amount, the category and the account, laid out for you to check.

You tap Save

Nothing reaches your ledger until you do.

Pricing

Free to start. Pro when you need it.

No card required

Freeforever

Everything most people need to track their money.

Net worth, budgets and history
Up to 5 accounts, in 2 currencies
Shared expenses & settlements
Credit cards & loans
CSV import from your bank
No ads, no data sold, ever

Get it free on Google Play Get it free on the App Store

NetWorth+ Pro

$7.99a month

or $49.99 a year

Yearly works out cheaper.

Everything in Free, plus:
Forecast and what-if
Unlimited accounts
Any currency, at live rates
Receipt scanning

Get Pro

US prices, checked October 2026. Prices in every country

Questions

Good to know

Is there an AI budgeting app that does not link to my bank?

Yes. NetWorth+ never asks for a bank login. Numo, its assistant, works from what you tell it and from figures worked out on your phone.

Is my data sent to an AI company?

The sentence you type is, so Numo can understand it. Your list of transactions is not: questions are answered from figures your phone works out first.

Can Numo make mistakes?

Yes, which is why nothing is saved until you check the draft and tap Save.

Does it work on iPhone and Android?

Yes, on the App Store and Google Play.

Tell it what you spent.

On iPhone and Android. No bank login, no ads.

Get it on Google Play Download on the App Store See all features

Android and iPhone. No bank login. No ads.