reading
AI-assisted expense tracking for iPhone
Don't categorise,
Don't categorise,
just write it down.
Write expenses in your own words. AI helps read and categorise what your phone can't settle. Your ledger keeps your words, not a form.
one line in — read, filed and totalled
return no forms · no categories to pick
9:41
Today wed 5 aug
▾ Your sentence stays yours.
Write the way you talk. Your phone parses what it can. When it can't settle a line, AI helps find the amount and category. The result sits beside your words, never on top of them.
order grab 5$
−5.00
coffee at sbuck 5 usd 2 days ago
−5.00
dinner w/ mira, split 2 ways 136
−68.00
groceries 84 on the amex
−84.00
netflix 15 every month
−15.00
lunch w/ the team, split 4 ways
amount?
Margin uses OpenAI and Claude by Anthropic when AI is needed, depending on the feature or request. You can check and correct the result. If a line leaves the amount unclear, Margin marks it amount? and waits for you.
Some words don't change the amount,
they change where it goes.
A day, a person, an account, a cycle. Margin marks those words where you wrote them, in the colour of the thing they decide.
which day coffee 5 last friday Files it to the day you meant. Today's total doesn't move — August's does.
whose money dinner 136 split 2 ways Counts your share and keeps the whole figure beside it, so neither number is lost.
which account groceries 84 on the amex Adds to a total you named. An account here is a label you wrote, never a bank connection.
how often netflix 15 every month Starts expecting it. Switch it off later and everything you already logged stays put.
and it's free
Those words are matched on your phone before the line is sent anywhere.
Backdating, splitting, naming an account and moving an entry afterwards
all cost nothing — a routed line costs the same single read a plain one
does.
Photograph the receipt.
Skip copying out a paper slip. AI extracts the items and amounts from your receipt photo, ready for you to check before saving to your ledger.
Mercado Central
tomatoes 3.40
bread 2.10
olive oil 9.75
coffee 1kg 12.90
eggs ×12 4.20
TOTAL32.35
Hold it in frame Take a photo with the items and total in view. AI reads the receipt
so you don't have to type each amount.
Mercado Central −32.35
groceries 14 Aug 5 items
Coffee 1kg 12.90
Olive oil 9.75
Eggs ×12 4.20
Tomatoes, bread 5.50
See what it counted Check the items, total and category before anything is saved.
Correct anything AI read wrong.
A month of sentences becomes a month of numbers.
See where your spending went, then ask a question in your own words. AI uses your ledger summaries and recent entries to answer, so you don't have to hunt through the numbers.
august · $1,113
last twelve weeks
ask AI, in the same box how much on coffee in july?
$134.20 across 18 entries · July 1–31
what I counted
“flat white + croissant” — I counted all 11.20 as coffee. Tap to split
it.
iced sweet potato latte, la casita −8.40
coffee at starbucks 9 −9.00
flat white + croissant 11.20 −11.20
15 more −105.60
noticed
You write “coffee” four times a week and it adds to $134 — more than every
subscription combined.
AI uses reads. Writing stays free.
On-device parsing costs no reads. When a line needs AI, it uses your reads allowance, as do receipt photos and ledger questions. The free plan includes reads; paid plans give you more room.
20 reads the day you sign up
+15 every month after, free, forever
Twenty reads to start, then fifteen a month. Local parsing leaves those reads for the entries that need AI. If that's enough for you, we would rather say so than sell you a plan you don't need.
what spends a read cost
A line that needs AI however many entries it becomes
1 A receipt you photograph AI extracts the items and amounts
3 Backdating, splitting, accounts, repeats matched on your phone · as is editing, browsing and exporting
0 when you run out
Your line still saves, still shows up and still counts. Margin uses
its on-device parser and marks the amount amber for you to confirm.
AI can wait. The notebook never locks.
Margin never asks for your bank.
No bank connection, no card linking, no read-only credentials
Every entry saves on your phone first, before anything is sent
Margin learns your habits — your merchants, your wording, your corrections
Your data is never sold; AI requests include your vocabulary and relevant ledger content
Export everything to CSV whenever you like, on any plan
Margin uses your wording and corrections to read your entries. When it needs AI, relevant content may be sent to OpenAI or Anthropic, the provider of Claude, through our server, depending on the feature or request. Our privacy policy explains what is sent and each provider's training and retention policies.
Free to keep. Paid to stop counting.
Every plan writes, edits and exports without limit — and every plan can ask its ledger a question. Paid plans lift the read meter and open history and capture.
what you get free paid
Writing, editing and CSV export unlimited unlimited
Reads 20 + 15/mo unlimited
History this month every month
Receipt scanning with reads ✓
Ask your ledger anything 2 reads ✓
Any currency, at that day’s rate — soon
Good questions.
What does AI do in Margin? Margin uses OpenAI and Claude by Anthropic, depending on the feature or request, to interpret lines its on-device parser cannot settle, make short labels and categories, answer ledger questions using summaries and recent entries, and read receipt photos. You can check and correct what it reads.
Which AI providers does Margin use? Margin uses OpenAI and Claude by Anthropic. Relevant content may be sent to OpenAI or Anthropic through our server, depending on the feature or request. Our privacy policy explains what each task sends and the providers' data policies.
What happens when I run out of reads? Nothing breaks. Entries still save and still count — Margin reads them itself and marks the amount amber for you to confirm. You get 15 more on the first of each month.
Does it work offline? Yes. Lines you write on a plane save immediately and queue up; they're read the moment you're back on a signal. Nothing is ever lost waiting for a connection.
Is “unlimited” really unlimited? On a paid plan, yes, with a fair-use ceiling of 1,500 reads a month — far more than anyone writes. We'd rather say that now than surprise you later.
Can I use a currency other than dollars? You can set your default currency in Settings, and bare numbers become that currency. Writing “40 eur” in a line and having Margin keep both the original and that day's converted figure is still being built — it isn't in the app yet, on any plan.
Does asking my ledger cost anything? Asking is on both plans. Each question spends 2 reads, so on the free plan it comes out of your meter, and on a paid plan it comes out of the lifted one.
What if it reads a line wrong? Tap the line and fix it. Margin offers to remember the correction — “always read gojek as Rides” — and applies it to past entries too, so you fix each mistake once.
How is Margin different from an app that connects to my bank? Aggregator apps import a transaction list and ask you to sort it; Margin has no bank connection at all, so nothing arrives that you didn't write. That means no categorising a backlog and no handing over banking credentials — and it also means Margin only knows what you tell it. If you want spending captured automatically without typing, an aggregator is the better tool.
Do I have to categorise anything? No. You write the line and Margin files it. When it gets one wrong, you correct it once and it remembers — including for entries you already wrote.
Is there an Android or web version? Not today. Margin is an iPhone app on the App Store and needs iOS 17 or later.