OuchMoney: Stop Overspending
AI Budget & Spending Tracker
Only for iPhone
Free · In‑App Purchases · Designed for iPhone. Not verified for macOS.
iPhone
Be the first to get roasted. Drop a bank statement and watch Penny turn 30 days of bad decisions into a comedy special. For spenders who need a laugh, not a lecture.
The AI budget tracker that roasts you into financial accountability.
Here's the truth nobody tells you: you don't spend money. You spend time. That $85 dinner? That's 4 hours of your life you sold to a boss to eat food you forgot by Tuesday. That $340 in subscription waste this month? Gone. Converted into someone else's runway while you wonder where your paycheck went.
Most people aren't broke because they earn too little. They're broke because nobody ever made overspending hurt enough to stop.
OuchMoney fixes that.
Upload your bank statement, receipt, or bill. Penny -- your AI money coach -- reads every transaction like evidence at a trial and turns your worst spending habits into a brutal, personalized stand-up roast. Not to shame you. To wake you up.
Built for ADHD spenders, paycheck-to-paycheck survivors, chronic overspenders, couples managing household budgets, and anyone exhausted by financial advice that sounds great and changes nothing.
--- THE REAL COST OF EVERYTHING ---
Every dollar you spend is a unit of your life. You traded hours -- real, irreplaceable hours -- for that money. OuchMoney converts every purchase back into what it actually cost you: hours worked, freedom days lost, and what that exact amount compounds to by the year you want to stop working forever.
That $6 energy drink isn't $6. It's 22 minutes of your life. Bought 4 times a week, every week, for 10 years? That's $12,480 -- or 18 months of compound growth at a 7% return. Penny will tell you exactly that. With zero mercy.
--- OUCH CARDS ---
Every purchase gets 6 AI-generated dark-humor insights showing the real cost in work hours, freedom days, and lost compound growth. "$4 latte" hits different when Penny says it's 347 lattes from retirement.
Because financial nihilism is a choice -- and OuchMoney makes sure you're choosing it consciously.
--- AI BUDGET PLAN ---
Set your monthly take-home and spending categories. Penny builds a personalized monthly budget plan -- then tracks exactly which categories you're blowing, by how much, and what it's costing your future self.
No vague "spend less on dining." Penny tells you: you blew your dining budget by $340 this month. That's 11 hours of your life. That's 4 days of freedom delayed. That's $2,100 in compound growth you just spent on pad thai.
Know your budget. Feel when you're breaking it.
--- THE ROAST ---
Pick your comedy style. Let Penny tear into a full month or year of spending:
- Classic Set -- stand-up burns, one slide at a time
- Running Bit -- one escalating routine that builds to a kill shot
- Dark Humor -- darker, meaner, zero mercy on the self-sabotage
- Crowd Work -- Andrew Schulz style. Brutally personal. Nowhere to hide.
--- PENNY KNOWS YOUR LIFE ---
Add your profession, age, city, income, debt, and savings goals as ammunition. The more context you give, the harder Penny hits.
Add transaction notes -- "stress-bought this," "friends were over," "company reimbursed me" -- and Penny weaponizes your own admissions against you in the roast.
--- TRACK YOUR REAL COST ---
Set your freedom target year and monthly savings goal. Every ouch card converts every impulse purchase into three numbers:
- Hours of your life sold to pay for it
- Days of freedom delayed because of it
- What that money compounds to by your freedom year
This isn't budgeting. It's a reckoning.
--- UPLOAD ANYTHING ---
Bank statements - Bills - Receipts - PDFs
Drop anything. Penny figures out the rest and auto-categorizes every transaction with AI -- dining, subscriptions, impulse buys, household expenses, and every other category you're probably overspending on.
Stop optimizing for comfort. Start optimizing for financial freedom.
Stop overspending, fix your finances. Financial accountability is key.
OuchMoney Pro unlocks unlimited imports and unlimited daily roasts.
Privacy Policy: https://ouchmoney-web.vercel.app/privacy.html
Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Ratings & Reviews
- This app hasn’t received enough ratings or reviews to display an overview.
Bug fixes and performance improvements.
Budgeting plans.
The developer, Jubal Jacob, 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 Linked to You
The following data may be collected and linked to your identity:
- Purchases
- Financial Info
- Location
- Contact Info
- User Content
- Identifiers
Data Not Linked to You
The following data may be collected but it is not linked to your identity:
- Usage Data
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Seller
- Jubal Jacob
- Size
- 32 MB
- Category
- Finance
- Compatibility
Requires iOS 26.0 or later.
- iPhone
Requires iOS 26.0 or later. - Mac
Requires macOS 26.0 or later and a Mac with Apple M1 chip or later. - Apple Vision
Requires visionOS 26.0 or later.
- iPhone
- Age Rating
9+
- 9+
- Infrequent
Profanity or Crude Humor
- In-App Purchases
Yes
- Yearly Subscription $59.99
- Monthly Subscription $8.99
- Copyright
- © 2026 OuchMoney