MoneyCoach
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MoneyCoach brings over a decade of budgeting experience to Apple devices with a genuinely free tier that doesn't skimp on features. You get unlimited manual transaction tracking, customizable budgets, and smart goals that adapt to your spending habits. The AI component helps identify patterns and suggests adjustments without being intrusive or requiring you to open premium features for basic tracking.
This is ideal for iPhone and iPad users who want a modern app without subscription walls. It's especially good if you like visual feedback on your goals and want an app that learns from your spending over time without pushing you toward paid upgrades.