Cognirithm: AI Budget Money
AI Budget & Expense Tracker
Free · In‑App Purchases · Designed for iPad. Not verified for macOS.
The AI money app built for gig workers & freelancers. Predict cash shortfalls 7–30 days ahead, track spending, and budget irregular income with confidence
Stop Budgeting in the Past. Start Living in the Future.
Built for Gig Workers & Freelancers: Whether you drive, deliver, or freelance, Cognirithm Money is designed for irregular income. Our AI smooths the feast-or-famine cycle — predicting your cash flow even when no two paychecks look alike.
Cognirithm Money is the premium, AI-powered personal financial management (PFM) application designed for professionals who demand speed, reliability, and proactive intelligence. Tired of reactive apps that only show you where your money went? We give you the clarity and foresight to master your financial future.
Why Cognirithm Money is Superior:
The Cognirithm Advantage: Predictive AI Insights
Our proprietary Cognirithm models leverage machine learning to go beyond simple transaction tracking. We analyze spending patterns, recurring bills, and income volatility to give you proactive alerts you can act on.
Cash Flow Shortfall Alerts: Our AI predicts potential negative balances or cash crunches 7–30 days ahead, giving you time to adjust and avoid fees.
Smart Budgeting Recommendations: Get ML-powered budget adjustments based on your real habits, eliminating guesswork and ensuring you never overspend accidentally.
Anomaly Detection: Real-time fraud and unusual spending alerts keep your money secure.
Engineered for Speed & Reliability
Built with enterprise-grade stability on the React Native framework and a serverless Azure cloud architecture, Cognirithm Money delivers an experience that is consistently fast, responsive, and reliable.
Real-time Sync: Bank-level synchronization via Plaid provides instant, reliable data updates across all your accounts.
Seamless Design: A beautiful, responsive interface designed for the modern user, with zero tolerance for the glitches found in older PFM apps.
Security First. Data Never Sold.
Your trust is our most valuable asset. We are built on a Security First principle with a commitment to transparency:
Bank-Level Encryption: All data is protected with AES-256 encryption and secured using Azure Key Vault and robust authentication.
Read-Only Access: We use industry-leading financial partners (Plaid) to maintain read-only access—we can see your transactions, but we can never move your money.
No Data Selling Guarantee: Our subscription model ensures we never sell your personal or financial data to third parties.
Core Features:
Full Account Aggregation: Connect checking, savings, credit cards, and investments in one place via Plaid integration.
Net Worth Tracker: See your complete financial picture with real-time asset and liability monitoring.
Subscription Manager: Automatically detect, track, and get alerts for recurring expenses and potential price hikes.
Financial Goal Tracking: Set, monitor, and achieve savings or debt payoff goals with AI guidance.
Terms of Use: https://chosenhomeland.z5.web.core.windows.net/cogterms.html
Privacy Policy: https://chosenhomeland.z5.web.core.windows.net/privatecog.html
Ratings & Reviews
We've rebuilt Cognirithm Money from the ground up for speed, reliability, and smarter AI — this is our biggest update yet.
What's new in 3.0.0:
Faster, more reliable bank syncing — balances and transactions now update quickly and consistently across all your linked accounts
Fixed: Insights tab — spending insights, cash flow predictions, and financial health scores now load correctly every time
Fixed: Dashboards — Cash Flow, Categories, and Money Flow charts load reliably
Smarter recurring expense detection — upcoming payment dates are now accurate, so you always know what's due and when
Improved AI predictions — cash shortfall alerts and smart categorization are tuned for irregular income, perfect for gig workers and freelancers
Performance and stability improvements throughout the app
Have feedback? We read every message — reach us through Contact Support in Settings.
The developer, Aula Dluseyi Olowiwee, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Not Collected
The developer does not collect any data from this app.
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Seller
- Aula Dluseyi Olowiwee
- Size
- 67.8 MB
- Category
- Finance
- Compatibility
Requires iOS 15.1 or later.
- iPhone
Requires iOS 15.1 or later. - iPad
Requires iPadOS 15.1 or later. - iPod touch
Requires iOS 15.1 or later. - Mac
Requires macOS 12.0 or later and a Mac with Apple M1 chip or later. - Apple Vision
Requires visionOS 1.0 or later.
- iPhone
- Languages
- English
- Age Rating
4+
- 4+
- In-App Purchases
Yes
- Cognirithm Premium - Annual $59.99
- Cognirithm Premium - Yearly $59.99
- Cognirithm Premium - Monthly $6.99 $6.99
- Copyright
- © 2025 Chosen Homeland Solutions LLC
