Kumbi: AI Expense Tracker Live

Kumbi is an AI expense tracker and budget app that does not flatter you. Instead of filling a form you say "spent 120 on coffee" and the AI works out the amount, the title and the category. Then you pick the voice it answers in - there is a kind one, and there is one that reads your month back to you without mercy. SPEAK, IT GETS LOGGED Say your sentence and the expense lands in the list in seconds. If you would rather not use the microphone, you can type the same sentence on the same screen. SCAN A RECEIPT Photograph a receipt and the amount, the merchant and the date are read for you. You can also pick a photo you already have in your gallery. MONTH IN REVIEW For every month that closes, the AI writes a single assessment: where the money went, which line grew, and what to change in next month's budget. The notification arrives on the 1st. BILL REMINDERS Keep your subscriptions and regular payments in one place and get a reminder as the due date approaches. Track what is left on your debts and when they end. WHERE IT GOES Your income, your fixed costs, your daily cashflow and what is left of the month, on one screen - the budget you already have, not one you had to set up first. See your spending habit through category breakdowns and monthly charts. YOUR DATA STAYS YOURS No account needed. We do not ask for your name, email or phone number. Your financial records are kept on your phone. There is no ad network, no third-party analytics and no tracking tool; your advertising ID is not used. Data leaves the device only when you use an AI feature, when your month in review is written, and when the app hits an error. PICK THE VOICE The AI speaks in four tones: Warm, Neutral, Blunt and Roast. Blunt does not soften anything; Roast is savage and funny. Those two are Premium. On the free plan you still hear all four react during setup, your home tip comes in the voice you pick, and you get one chat a day. FREE AND PREMIUM The free plan includes 60 AI expense entries and 40 AI chats per month; even after the allowance is exhausted, a few uses remain available daily. There are no limits on subscription, bill, and debt tracking. Premium opens the Blunt and Roast tones, removes the monthly limit and raises the daily allowance to 80 AI runs. IMPORTANT Kumbi is a personal budget tracking tool. It does not give financial, tax or investment advice. AI answers are for information only and can be wrong; do not base money decisions on them. Voice entry uses Android's speech recognition service, which may send the audio to Google to be transcribed. Our privacy policy explains this and the other data flows in detail.