NotePay: AI Expense Tracker

NotePay is a local-first expense tracker with an AI agent that manages your entire ledger - by text, voice, or a photo of a receipt. That AI can even run entirely on your own device. MOST APPS STOP AT LOGGING. NOTEPAY RUNS YOUR LEDGER. Type, speak or snap, then just ask. The NotePay agent can: - Record expenses and income from a sentence, a voice note or a receipt photo - Move money between ledgers: "transfer 50 from Dining to Groceries" - Create, rename, merge or delete ledgers and categories - Set budgets and tell you exactly which category is over - Set reminders and recurring entries - Answer questions about your spending and produce reports Every write operation shows a confirmation card first. The AI proposes, you decide - nothing is changed behind your back. FOUR WAYS TO RECORD - Voice: say it and get a categorized entry. On-device, offline speech recognition in 7 languages. - Text: "coffee 4.50 this morning" becomes a complete record. - Photo: photograph a receipt and let AI pull out amount, merchant, date and category. - Manual: a fast, clean form when you want full control. RUN AI THE WAY YOU WANT - On-device: the AI model runs fully on your phone. No internet, no server, completely private - your ledger never leaves your device. - Bring your own key (BYOK): connect any OpenAI-compatible endpoint with your own API key. The AI runs on the provider you choose and uses no NotePay quota. - Cloud relay (optional): a managed relay is available if you don't want to run locally - included with Pro. Pick the balance of privacy and convenience that suits you. All three stay local-first at the core. YOUR DATA STAYS YOURS - Local-first: your ledger lives on your device. No account, no sign-up, no server copy. - No advertising SDK, no analytics SDK, no tracking. We do not sell your data. - On-device AI and offline voice keep sensitive data on your phone. - Bring-your-own-key mode talks only to the endpoint you provide. - Camera, photos, microphone and location are optional and used only when you invoke them. BUILT FOR REAL BUDGETS - Multiple ledgers - separate personal, business, travel or family books - Transfers between ledgers, recorded as a matched out/in pair - Categories from a built-in library, or build your own - Tags for free cross-dimensional filtering - Budgets by ledger or by category - Reminders and recurring entries - Statistics: income and expense summary with category breakdown - Search, filter and edit any record - Attach a location to any entry - Backup and export, then import on another device - Device-to-device sync with conflict-safe merging DESIGNED FOR EVERYONE - Light and dark mode, plus accent colors - Multi-currency and region-aware time zones - Available in English, Chinese, German, Spanish, French, Japanese and Korean SIMPLE, HONEST PRICING - Free to start: a 30-day trial of cloud AI, then core bookkeeping stays free forever. - Lite is a one-time purchase - unlock on-device AI and bring-your-own-key, no subscription, no quota. - Pro is a one-time purchase - everything in Lite plus the cloud relay (300 cloud credits every month), no subscription. - Restore your purchase on any device. No account. No ads. No subscription. Just your money, under control. Whether you are tracking daily spending, running a small business, or finally getting your budget in order, NotePay gives you the fastest way to record and the smartest way to understand your money. NotePay does not provide financial, tax or investment advice. Support: https://songshangkun.github.io/note_pay/support.html Privacy Policy:: https://songshangkun.github.io/note_pay/legal/privacy.html Terms of Service: https://songshangkun.github.io/note_pay/legal/terms.html