AI features
AI expense tracking that waits for your confirmation
Say “20 euros on coffee yesterday” and Amon prepares a draft transaction with the amount, date and a suggested category. You check it and save it. AI never adds, changes or deletes anything on its own.
Voice entry becomes a draft
- Speech is recognized by the offline recognizer on your device; the recording does not reach our servers.
- The recognized text goes to our backend, where an AI model turns it into a draft: amount, currency, date, account and category.
- The draft opens in the usual transaction form. Nothing is saved until you confirm it.
- If your device has no offline speech pack for your language, Amon asks before sending the recording to Apple’s, Google’s or your browser’s speech service.
Receipt scanning (Pro)
- Photograph a receipt in the iPhone app. The text is first recognized on your device.
- The photo, the recognized text and the fiscal QR fields, if the receipt has one, go to the AI model to work out the amount, merchant and date.
- You confirm or edit the draft. The photo is attached to the transaction so you can look at it later.
- If the AI is unavailable, Amon keeps the values read on your phone.
Smart categories and auto-rules
- Drafts from voice and receipts arrive with a category already chosen.
- When you correct a category, Amon offers to remember it: “Always put Bolt in Transport?”
- “Suggest rules” looks at recent weeks and proposes rules. Nothing is applied until you accept a suggestion.
- Your rules are stored on your device.
Ask Amon, with sources
- Ask in plain words, for example “how much did I spend on groceries this month?”.
- Every answer lists the data it is based on: totals, averages and the transactions behind them.
- If an amount in the answer does not match your data, Amon says so next to the answer.
- Ask Amon can also prepare a new transaction or a budget-limit change. It shows the effect first; nothing changes until you confirm, and you can undo.
What is sent to the AI model provider
The app never talks to the AI provider directly. Our backend builds the request and sends it over an encrypted connection to Ollama Cloud, a hosted AI service.
- Voice entry: the recognized text, plus your default account identifier and currency.
- Receipt scanning: the receipt photo, the text recognized from it on your device and the fiscal QR fields.
- Auto-rule suggestions: up to 25 transaction descriptions with the categories you assigned, and your category names.
- Ask Amon: your question and a summary of up to 90 days of transactions: totals, top categories by month and recurring payments.
We send only what a request needs and do not store the prompts. Your content is never used to train models. Completed AI results are cached for 24 hours so the app can collect them, then expire.
AI features run only when you invoke them and need a connection. Manual entry, budgets, accounts, sync and import and export work without them.
Pricing · Cash flow forecast · Net worth · Family budget · Voice input · Privacy
Frequently asked questions
Does AI save transactions without me?
No. Voice entries and receipts become drafts in the transaction form, and Ask Amon shows a draft with its effect first. Nothing is saved or changed until you confirm.
Is the AI free?
Voice entry with AI, smart categories, auto-rule suggestions, Ask Amon and AI summaries are part of the free Core. Receipt scanning requires Pro.
Where is my data processed?
Our backend sends the data a request needs to an external model provider, Ollama Cloud. We do not store the prompts and do not use your content to train models. The full per-feature list is in the Privacy Policy.
Can I use Amon with ChatGPT or Claude?
Not directly. Amon has no public API or MCP integration. Its AI works inside the app: voice entry, receipt scanning and Ask Amon.