Cüzdan AI: Bütçe & Birikim

AI-powered budget, subscription, and savings tracking. Your data stays on your phone.

Wallet AI — Türkiye's AI-powered personal finance assistant.

Your salary, fixed expenses, credit cards, and savings are all on one screen. You can ask the AI ​​Assistant questions like "Where did I overspend this month?", "Which subscription should I cancel?", "How can I get out of this debt spiral?". It will give you a summary and suggestions in Turkish.

It's free except for ad display, requires no membership, and your data stays on your phone.

— AI ASSISTANT —
• Monthly briefing: AI analyzes income and expenses, provides simple Turkish commentary
• Chat: Questions about budget, savings, and spending habits
• Photo-based invoice reading: Take a picture of the receipt, AI will write the amount and category
• Savings suggestions: How much you can save by canceling a particular subscription

— BUDGET AND EXPENSE TRACKING —
• Monthly income, fixed expenses, and subscriptions all on one screen
• Quick spending and cash flow tracking
• 50+ widely used subscriptions in Türkiye ready (Spotify, Netflix, BluTV, NOW, GAIN, Disney+, beIN CONNECT, Tabii, EXXEN, Apple TV+, Amazon Prime, and others)
• Category-based distribution

— CARD AND DEBT TRACKING —
• Multiple credit cards in a single list
• BDDK-compliant minimum payment calculation (20% for amounts under 50,000 TL, 40% for amounts above 50,000 TL)
• Statement closing and due date
• Card-based spending summary

— SAVINGS TRACKING — 7 different asset types
• TL deposits
• Foreign currencies (USD, EUR, GBP — live CBRT exchange rate)
• Gold (live gram price)
• Crypto (BTC, ETH and others — CoinGecko data)
• Stocks
• TEFAS mutual fund
• Other assets

You can see your total savings in TL equivalent instantly; exchange rates are updated automatically.

— DATA SECURITY —
• No account, no membership, no password
• All your data stays on your phone — not stored on our server
• When you ask the AI ​​a question, only the current financial summary is sent anonymously
• Cloudflare does not use or store these requests for training purposes
• Delete all data with one click (Settings → Data → Delete all data)
• GDPR compliant

— OTHER FEATURES —
• Turkish interface, Turkish AI answers
• Dark and light themes
• Fast, simple design
• Completely offline except for the AI
• All features are free, banner ad supported

— IMPORTANT LEGAL NOTICE —

Wallet AI is NOT a BANKING APPLICATION, PAYMENT INSTITUTION, or INVESTMENT ADVISORY service. It has no affiliation with, and is not supervised by, any bank, financial institution, or SPK-licensed organization.

The exchange rates, prices, comments, and recommendations displayed in the application are:
• NOT investment advice
• NOT financial advice
• NOT a buy or sell order or call
• Does not guarantee returns

AI Assistant provides comments generated by a general-purpose artificial intelligence model. These comments are for informational purposes only, do not constitute personalized financial advice, and may be inaccurate or incomplete.

For financial decisions such as investments, loans, insurance, or taxes, please consult a licensed professional.

The user is solely responsible for the data they enter into the application and the decisions they make. Total savings are based on the user's own input and are not automatically matched with actual bank/stock exchange accounts.

There may be delays in exchange rates from third-party sources such as the Central Bank of Turkey (TCMB), goldprice.org, and CoinGecko. Confirm with official sources before making important decisions.

Terms of use and privacy policy:
https://mertkanfirlar.github.io/cuzdan-privacy/