The starting point
Most budgeting apps open with the same ask: connect your bank. It's a reasonable UX move — automatic imports reduce friction significantly. But it also means your banking credentials flow through a third-party aggregator. Some people are fine with that. A meaningful slice aren't.
We built moneasy for the second group.
Two input methods, nothing else
The entire logging surface is: talk to Siri, or photograph a receipt.
Describe what you spent and Siri routes it into the app. Receipt OCR via Vision reads amounts from the photo automatically. Voice processing runs through Apple Speech and Gemini 2.5 Flash, covering 25 languages. Data lives on device and in iCloud via SwiftData + CloudKit — nothing touches external servers.
The tradeoff we accepted
No bank-API integration means no automatic statement sync. That's the main thing moneasy doesn't do. CSV import from your bank is the available workaround, but it's a manual step.
We could have added a third-party aggregator and solved it. We didn't, because it would have undermined the whole premise. Some users keep waiting for the "connect your bank" screen that never comes — that's the main UX confusion we're still working through.
What we noticed shipping it
Receipt OCR works well on most printed receipts; faded thermal paper is the edge case that still misses occasionally. Voice input accuracy is high once the Siri shortcut is set up, but first-time configuration has friction we're reducing.
¥450/month or ¥5,000/year, 30-day trial included.
