Lichy for iOS

Lichy for iOS is an AI-native personal finance app that lets users record expenses using natural language text or voice without manual forms.

Lichy is an AI-native personal finance app built for iOS that logs spending from plain text or spoken words. Users type or say multiple expenses in everyday phrasing, and the app automatically parses amounts and assigns categories. It features an automated Apple Pay integration that logs purchases immediately without manual input, even while offline. The system adapts over time by learning merchant names, shorthand, personal habits, lists, and colors. It functions immediately for guests without requiring an initial account sign-up.

Lichy for iOS at a glance

Best for: Finance
Runs on: iOS, Android
Pricing: Free tier available to start; Lichy Plus unlocks voice capture and Apple Pay automation (exact pricing not stated).
Released: October 2026
Category: AI productivity tool
Website: getlichy.com

Key features

Recording single or multiple expenses from natural language text
Voice capture for spoken expense logging
Automatic Apple Pay transaction recording
Offline expense capture and category detection
Personalized memory that adapts to user shorthand and merchants
Customizable lists, categories, names, emoji, and colors
Guest mode operation without upfront account creation
Gentle recall reminders for missing recurring expenses

Use it for

Logging multiple purchases at once with a single typed message
Capturing transaction details hands-free using voice input
Tracking everyday spending automatically through Apple Pay payments
Recording daily purchases while offline without an internet connection

Alternatives to Lichy for iOS

Fundstash — Your financial data stays entirely on your phone with no servers or cloud accounts.
Equofi — Family Finance, Simplified — Split expenses and track household budgets together using Google Sheets sync.
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Halvsy for iPhone — Scans printed receipts to read items, tax, and tip instantly.
Folyo — It runs locally to organize expenses and export records for accountants securely.
Digits — AI-native general ledger with automated bookkeeping and real-time financials.
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CostGoat — Monitor AI and cloud spending in real-time to prevent unexpected bills.
Spilr — Private AI journaling with mood tracking and secure local data handling.
TaxHacker — Extracts expense data automatically with customizable LLM prompts and categories.
AppZen — Fully auditable AI agents trained on fifty billion dollars in enterprise spend.
Pulse Local — Ledger and AI models stay entirely on your machine for complete privacy.

All Lichy for iOS alternatives