Montrai: AI Budget & Expense
Cash Flow & Net Worth Tracker
Free · Designed for iPad. Not verified for macOS.
Track spending, plan your budget, and see your net worth in one calm, private place, now drawn as little worlds. Know what you’re on track to have left at month end and what you’re building toward.
A LITTLE WORLD FOR EVERY BUDGET
New in 3.0: each budget, savings goal and account is drawn as its own small world. The water is the money you still have, so you can tell at a glance where there's room and where it's running dry. Home is an island with your whole month on it, and your seed grows as you keep your rhythm. When a goal is reached, it's harvest time.
LOG IT IN SECONDS
Say “Coffee, five dollars” and Montrai’s assistant drafts the transaction for you to confirm. Type it, log several at once, or add it by hand. Nothing is saved until you approve it.
PURCHASES FROM YOUR BANK NOTIFICATIONS (iOS 27)
Set up a Shortcuts automation once, and purchase notifications from your bank apps wait in Montrai's inbox. Swipe right to log, left to dismiss. Montrai reads them on your device and never connects to your bank.
KNOW WHAT’S LEFT
The dashboard leads with the number that matters: what you’re on track to have left at month end. Budget pace shows whether you’re ahead or behind for this point in the month.
SEE THE WHOLE PICTURE
Keep balances, debts, savings goals, recurring subscriptions, and net worth together. Explore debt-payoff schedules, savings projections, and what-if net-worth scenarios. Supported foreign-currency accounts can show dated reference estimates.
GROW TOWARD WHAT MATTERS
Set savings goals, watch progress build, and keep a streak going with gentle check-ins. Reminders are optional.
BRING YOUR DATA IN—AND TAKE IT OUT
Import spreadsheets (.xlsx, .xls, .csv) or Montrai Markdown files. Export a formatted Excel or Markdown report, or download a complete raw JSON copy of your records.
SHARE A SPACE
Create or join up to two private spaces to track a household or trip with people you invite. Everyone sees the same numbers, and every member hears before shared access runs out.
ON YOUR HOME SCREEN
Widgets in the new look keep today’s spending a glance away, and Live Activities keep an in-progress session in view.
PRIVATE BY DEFAULT
Lock Montrai behind Face ID. Financial records are encrypted in transit and never sold. Analytics record which features you use—never an amount, balance, merchant, or note. Delete your account and its data inside the app at any time.
FIVE LANGUAGES
English, Spanish, French, Hindi, and Simplified Chinese.
NO SUBSCRIPTIONS OR IN-APP PURCHASES
Core money tracking and raw-data export are free. Optional rewarded ads can unlock AI passes, data-transfer credits, or 30 days of shared-space access.
Montrai does not connect to your bank or read your accounts. You control what goes in—by voice, a bank notification you approve, import, or hand. Montrai is a personal budgeting tool and does not provide investment or financial advice. Projections and exchange-rate estimates are informational only.
Ratings & Reviews
- This app hasn’t received enough ratings or reviews to display an overview.
Montrai 3.0.1: clearer logging from your bank notifications, and a fix for deleting.
- Each purchase in the Inbox shows the space it will be logged to, starting with the space you last opened. Tap it to move just that purchase.
- Clearer swipes: green to log, red to dismiss or delete.
- Fixed: a purchase saved by a shortcut could come back after you deleted it.
The developer, JHON ALEJANDRO ORTEGA SALCEDO, 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 Used to Track You
The following data may be used to track you across apps and websites owned by other companies:
- Identifiers
Data Linked to You
The following data may be collected and linked to your identity:
- Financial Info
- Location
- Contact Info
- User Content
- Identifiers
- Usage Data
- Other Data
Data Not Linked to You
The following data may be collected but it is not linked to your identity:
- Identifiers
- Diagnostics
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Seller
- JHON ALEJANDRO ORTEGA SALCEDO
- Size
- 85.2 MB
- Category
- Finance
- Compatibility
Requires iOS 18.6 or later.
- iPhone
Requires iOS 18.6 or later. - iPad
Requires iPadOS 18.6 or later. - Mac
Requires macOS 15.6 or later and a Mac with Apple M1 chip or later. - Apple Vision
Requires visionOS 2.6 or later.
- iPhone
- Languages
English and 4 more
- English, French, Hindi, Simplified Chinese, Spanish
- Age Rating
4+
- 4+
- Contains
Advertising
- Copyright
- © Jhon Alejandro Ortega Salcedo
