Local-first automatic expense tracker

Track expensesautomatically.Correct once.Marnieremembers.

An automatic expense tracker for iPhone and Android, without linking a bank account. Capture Apple Pay activity through Shortcuts, supported Android payment alerts, or add an expense by text or voice.

Correct a merchant or category once. Marnie learns it for next time and forecasts what may be safe to spend.

How it works

Marnie dashboard showing Safe to Spend, upcoming bills and monthly cash flow

A$3.4K safe to spend

Bills already accounted for

Capture automatically

Apple Pay Shortcuts and supported Android payment alerts.

Teach it once

Correct a merchant or category; Marnie remembers next time.

Speak an expense

Log by voice or text when a payment event is missing.

Plan with context

Bills, goals and protected money shape Safe to Spend.

02The actual problemNot another spreadsheet

Expense tracking should get more accurate as you use it.

Most expense tracker apps make you fix the same merchant name and category again and again. Marnie learns from confirmed corrections, improves future transactions from that merchant, and keeps uncertain captures reviewable.

On Android, you decide which apps are payment-related. Useful notifications get captured and irrelevant ones stay out.

Can I afford tonight?

Why am I broke already?

What renewed?

Am I still on track?

03 / Capture

Automatic expense tracking without the bank connection.

Turn eligible Apple Pay activity and supported Android payment notifications into reviewable transactions, or add one by text or voice. Confirm a correction once and Marnie can remember it next time.

01Apple Pay Shortcuts
02Android notification capture
03Text or voice entry
04Merchant correction learning

iOS + Shortcuts

Type or voice

Marnie form for recording income or an expense

Android alerts

Marnie Android automatic payment capture history

04Plan before panicFuture-aware money

Safe to Spend

See what may be safe to spend after bills.

Marnie looks past today’s balance to upcoming bills, goals, spending limits and protected money. See the formula, examples and limits.

Marnie monthly planning screen with Safe to Spend and spending limits

01A$3.4K

safe for flexible spending

02A$500

protected for emergencies

030

categories that need care

05 / Understand

AI spending insights start with a record you can trust.

Ask what changed, see which categories need attention, and explore what may be safe to spend in plain language.

A sculptural compass following a blue path toward one clear priority — 01See what needs attention now

Money tokens being sorted into remembered merchant categories — 02See every merchant and category in context

Two blue conversation forms connected through a calm reasoning path — 03Ask by text or voice. Get a useful answer.

06 / Private by design

Your core money record stays on your device.

No bank connection is required for expense capture. Backup and restore are optional, and relevant context is shared with cloud AI only when a cloud-enabled AI mode is used. Compare the privacy trade-offs.

01Local-first records

02Optional backup & restore

03Local, Automatic or Cloud AI

07 / The app

Capture, correct, plan and ask.

Swipe through the full Marnie money loop.

Dashboard screen in Marnie — 01
**Dashboard**
Know what is actually safe to spend

Apple Pay capture screen in Marnie — 02
**Apple Pay capture**
Use Shortcuts to turn Wallet taps into transactions

Android capture screen in Marnie — 03
**Android capture**
Review transactions found in payment alerts

Add money screen in Marnie — 04
**Add money**
Type it, say it, or review a captured transaction

Merchant learning screen in Marnie — 05
**Merchant learning**
Correct a merchant once and let Marnie remember

History screen in Marnie — 06
**History**
See every money move in context

Planning screen in Marnie — 07
**Planning**
Give the month a plan before it happens

Insights screen in Marnie — 08
**Insights**
Turn patterns into useful next steps

Ask Marnie screen in Marnie — 09
**Ask Marnie**
Talk or type through your money in plain language

08Questions, answeredClear before clever

Automatic expense tracker FAQ

How Marnie captures, learns and keeps data local.

Straight answers about Apple Pay Shortcuts, Android alerts, voice logging, merchant learning, privacy and availability.

What is Marnie?

Marnie is a local-first automatic expense tracker for iPhone and Android. It turns supported payment events and manual entries into a reviewable money record, learns from confirmed corrections, and forecasts what may be safe to spend.

Does Marnie require a bank connection?

No. Marnie can track spending without linking a bank account. Apple Pay activity can reach Marnie through an Apple Shortcut, supported Android payment notifications can be captured, and transactions can also be added by text or voice.

How does Apple Pay expense tracking work?

Marnie does not read your complete Apple Pay history. A personal automation in Apple's Shortcuts app passes eligible Wallet transaction activity to Marnie. Wallet events can be incomplete or differ from the final issuer record, so captured entries remain reviewable.

How does Android notification capture work?

You choose which supported apps are payment-related. Marnie extracts transaction details from eligible notifications, keeps irrelevant notifications out, and leaves uncertain captures ready for your review.

Does Marnie learn transaction categories?

When you confirm a correction to a merchant, transaction name, amount, or category, Marnie can use it to improve future transactions from that merchant. Mixed-use or uncertain merchants may still need review.

Can I log an expense by speaking?

Yes. You can add income or expenses by speaking, typing, or talking to the Marnie assistant, so a missed payment event does not have to become a forgotten transaction.

Where does Marnie keep my financial data?

Core financial records stay on your device. Backup and restore are optional. Local is the privacy-preserving AI default, while Automatic and Cloud modes can send relevant context to a cloud AI service when those modes are used.

When will Marnie be available?

Marnie is coming soon to iPhone and Android. Join the early-access list to receive launch news and first-access details.

Coming to iOS & Android

Be better with money. Still be yourself.

Join the early-access list for launch news and first access to Marnie.

See you in the app.