The answer to “I don’t know where it all goes” is right here. In addition to MoneyCoach’s brilliant goal-based saving tools, holistic overview of your financial picture and automatic categorisation of every penny you spend, the app’s AI delivers personalised advice on staying within your budgets.

What we love: If there’s a spike in your grocery shop or coffee orders, you’ll know. Got all the streaming services? You could be going for a fancy dinner instead! Because the insights are generated using the same on-device Foundation Models behind Apple Intelligence, your data stays private. We also love the multi-account support, including handy multi-currency tools and visualised progress towards goals like a new home.

Quick tip: The key to successful budgeting? Track and categorise every expense. Even the smallest lattes add up.

Meet the creator: Albanian founder Perjan Duro built MoneyCoach for his own needs after his family moved to Germany. After launching in 2013 as a side gig, MoneyCoach gained such popularity that Duro brought in his brother Krist. The pair’s goal remains to help others live free of financial worry and plan for a more enriching lifestyle.