# Marnie > Marnie is a local-first personal finance app that captures transactions through Apple Pay Shortcuts, supported Android payment notifications, text, or voice; learns confirmed corrections; and calculates a forward-looking Safe to Spend amount. Marnie combines user-provided balances, upcoming bills, subscriptions, spending limits, savings goals, an emergency buffer, and transaction history. Marnie is not a bank or financial adviser. ## Product - [Marnie homepage](https://marnieapp.vercel.app/): Automatic expense tracker overview, Apple Pay and Android capture, merchant learning, Safe to Spend, interface previews, privacy summary, and early-access signup. - [Why Marnie](https://marnieapp.vercel.app/#why): Why everyday money needs more context than an account balance. - [The money flow](https://marnieapp.vercel.app/#flow): Apple Pay Shortcut capture, supported Android notification capture, manual and voice entry, merchant correction learning, planning, and Safe to Spend. - [App screens](https://marnieapp.vercel.app/#screens): Product-screen previews for Marnie's primary money workflows. - [Early access](https://marnieapp.vercel.app/#join): Join the Marnie launch list. - [Marnie blog](https://marnieapp.vercel.app/blog): Guides about Safe to Spend, planning, and Marnie's local-first privacy model. ## Guides - [How to Find and Track All Your Subscriptions](https://marnieapp.vercel.app/blog/subscription-audit): Find recurring charges across statements, Apple and Google Play. Use a subscription audit table to compare costs, check renewals and confirm cancellations. Published 2026-09-13; reviewed 2026-09-13. - [How to Budget on an Irregular Income in Australia](https://marnieapp.vercel.app/blog/budget-irregular-income): Build an irregular-income budget using money received, essential costs and low-income scenarios. Includes an AUD example and a reusable income planning table. Published 2026-09-13; reviewed 2026-09-13. - [Sinking Funds for Annual Bills: A Practical Guide](https://marnieapp.vercel.app/blog/sinking-funds-annual-bills): Calculate sinking funds for annual bills using the amount still needed and paydays left. Includes catch-up examples, a tracker table and double-counting checks. Published 2026-09-13; reviewed 2026-09-13. - [Android Notification Expense Tracker: Setup and Limits](https://marnieapp.vercel.app/blog/android-notification-expense-tracker): Learn how Android payment-notification expense tracking works, what access it needs, which transactions it can miss, and how to review each capture. Published 2026-08-30; reviewed 2026-09-13. - [Voice Expense Tracker: Log Spending by Speaking](https://marnieapp.vercel.app/blog/voice-expense-tracker): Learn how voice expense tracking turns speech into a reviewable transaction, which details to say, what to verify, and how to check the privacy path. Published 2026-08-30; reviewed 2026-09-13. - [Is Notification Access Safe for an Expense Tracker?](https://marnieapp.vercel.app/blog/is-notification-access-safe-expense-tracker): Learn what Android notification access can expose, how it differs from notification posting permission, and how to assess an expense tracker's safeguards. Published 2026-08-30; reviewed 2026-09-13. - [Duplicate Transactions in Expense Trackers: Causes and Fixes](https://marnieapp.vercel.app/blog/expense-tracker-duplicate-transactions): Learn why an expense tracker can show duplicate-looking transactions and how to distinguish capture errors, pending holds, real double charges, refunds, and reversals. Published 2026-08-30; reviewed 2026-08-30. - [AI Spending Insights: What They Can and Cannot Tell You](https://marnieapp.vercel.app/blog/ai-spending-insights): Learn which questions AI spending insights can answer, how to check confidence and data gaps, and when to ignore an AI-generated money explanation. Published 2026-08-30; reviewed 2026-09-13. - [How to Track Cash Expenses Without Double Counting](https://marnieapp.vercel.app/blog/track-cash-expenses): Track cash expenses with either a simple withdrawal method or an itemised cash wallet, then reconcile cash on hand without counting spending twice. Published 2026-08-30; reviewed 2026-09-13. - [How to Budget Fortnightly Pay in Australia](https://marnieapp.vercel.app/blog/plan-bills-before-payday): Build a fortnightly budget in Australia using 26 pay cycles, accurate bill set-asides, a practical buffer, and a worked example in Australian dollars. Published 2026-08-22; reviewed 2026-09-13. - [Apple Pay Expense Tracker: Shortcuts Setup and Fixes](https://marnieapp.vercel.app/blog/apple-pay-expense-tracker-shortcuts): Set up an Apple Pay expense tracker with Shortcuts, understand what Wallet activity can miss, and reconcile captured spending against card records. Published 2026-08-25; reviewed 2026-09-07. - [What Is Safe to Spend? Formula, Examples and Limits](https://marnieapp.vercel.app/blog/what-safe-to-spend-really-means): Learn how Safe to Spend differs from a bank balance, with a transparent formula, AUD examples, assumptions, and limits for Australians. Published 2026-08-25; reviewed 2026-09-13. - [Are Budgeting Apps Safe? Local Storage, Open Banking and Cloud AI](https://marnieapp.vercel.app/blog/local-first-money-app-privacy): Compare local storage, Open Banking, payment capture, backup, and cloud AI so you can assess a budgeting app's privacy and security trade-offs. Published 2026-08-25; reviewed 2026-09-13. - [Expense Tracker Without Bank Linking: 6 Ways to Start](https://marnieapp.vercel.app/blog/track-spending-without-linking-bank-account): Compare six no-bank-link tracking methods: Wallet triggers, Android alerts, typed notes, voice, documents, and forms. Choose a workflow and check its gaps. Published 2026-08-25; reviewed 2026-09-13. - [Why Expense Apps Get Merchant Names and Categories Wrong](https://marnieapp.vercel.app/blog/why-expense-apps-get-merchant-names-wrong): Expense apps often receive payment descriptors rather than storefront names. Learn why labels and categories vary, and how to review repeated errors. Published 2026-08-25; reviewed 2026-08-30. ## Common questions ### 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. ## Availability - Marnie is presented as coming soon to iOS and Android. - Early-access signup is available on the homepage. - Support: support@trip-cache.com ## Policies - [Privacy policy](https://marnieapp.vercel.app/privacy): Authoritative privacy policy. - [Delete account](https://marnieapp.vercel.app/delete-account): In-app and email deletion paths, data removed, and subscription limitations. - [Editorial policy](https://marnieapp.vercel.app/editorial-policy): How Marnie researches, sources, reviews, updates, and corrects its articles. ## Optional - [Full product context](https://marnieapp.vercel.app/llms-full.txt): Expanded, self-contained product facts for AI systems. - [Sitemap](https://marnieapp.vercel.app/sitemap.xml): Crawlable URL index.