The problem with most expense trackers
Most personal finance apps assume you'll hand over your bank credentials. The whole UX is designed around that assumption: connect your account, pull your transactions, done. That's a valid model — but there's a real subset of users who have made a deliberate choice to never give an OAuth token for their bank account to a third-party service.
moneasy was built for those users.
How logging works
Two paths. Say "moneasy 記録" to Siri and the voice input goes through Apple Speech. Or hold the camera up to a receipt — Vision OCR reads it, and Gemini 2.5 Flash handles the messier cases: Japanese receipts especially have abbreviations and format variations that need a language model to interpret reliably. Either way, the entry lands in SwiftData and syncs across devices via CloudKit.
The interaction is a few seconds. No account-linking screen, no permissions beyond camera and microphone.
The trade-off we're upfront about
No bank API means no automatic statement import. We say this plainly in the App Store description — surprising users with a limitation they care about is a worse outcome than losing them at the listing. CSV import is available for bulk historical data.
For the user who has never connected a bank account to any third-party app, the absence of that feature is the point of the app.
What ships
- Voice input via Apple Speech + receipt OCR via Vision, with Gemini 2.5 Flash for parsing edge cases
- SwiftData + CloudKit sync
- 25 language support
- 30-day free trial, then ¥450/month or ¥5,000/year
Finance is a crowded category. The wedge is narrow: voice input paired with a deliberate refusal to touch bank credentials.