Envelope limits, statement and receipt reading, optional bank connection and per-partner sharing, next to your family calendar and lists. Free to start.
The short answer: OptiAI builds a household budget from real spending: upload a statement or photograph a receipt, review each transaction, and set envelope limits with optional rollover. You can connect one bank on Full Access (two on the One plan) or skip it. Full Access is free; the One plan is $4.99/month or $49.99/year.
Money In, Money Limits, Money Out
Where money comes from, what each category is allowed, and what actually went out, each with its own summary.
Read a statement or receipt
Upload a statement or photograph a receipt. You review every transaction before it touches your budget.
Envelopes that roll over, or not
Choose per category whether unused money carries into next month.
Optional bank connection
Connect a supported bank for live balances (read-only), or skip it and import statements yourself.
Share only what you choose
Share Money In, Money Limits and Money Out separately with a partner.
More than one currency
Accounts in other currencies are converted for display; the original amount stays on the record.
Why household budgets stall
Most budgets fail at the setup: typing in months of transactions by hand. Reading a real statement removes that hour. Because OptiAI is also your family calendar and shopping list, the budget sits where the rest of the household already lives. Read the full budgeting overview or the envelope budgeting guide.
Informational, not advice
Suggested budgets and AI commentary are educational. They are not investment, tax or legal advice.
Frequently asked questions
What is the best way to start a family budget?
Start from what you actually spend. Import a recent statement, look at where the money went, then set a limit for each category and adjust monthly. OptiAI can suggest a starting budget from your household size, region and spending.
Can my partner see my whole budget?
Only if you choose. Money In, Money Limits and Money Out can each be shared separately under Settings, Data Sharing.
Does it work outside the US?
Yes. OptiAI supports accounts and transactions in multiple currencies, and statement import does not depend on a US bank. Bank connections are available in supported regions.
Is this financial advice?
No. OptiAI is an organisation tool and provides information, not investment, tax or legal advice. Consult a qualified professional before making money decisions.
How much does OptiAI cost?
OptiAI has a free Full Access tier with every module included and 3 AI actions a day with Ask Opti (plus Opti Points redeemable for more). One plan at $4.99/month or $49.99/year adds more AI, billed immediately when you subscribe — there is no free trial. See the app for current pricing.
Which devices does OptiAI work on?
Web (installable as an app), iOS and Android, with the same account and household everywhere.
Organize your whole life in one intelligent place
OptiAI brings goals, money, health, travel, family, and planning together — with AI that understands your context.