The money app that never asks for your bank login.
Kalmo Money is a personal finance app for iPhone. Type a purchase the way you would say it, snap the receipt, or import the statement file your bank already gives you. Everything stays on your phone: no account, no bank login. Then ask questions like “How much did I spend on coffee in June?”
Every budgeting and money-tracking app I tried lacked something I needed. Kalmo is my answer to that. It is also the project I am learning to code through, one feature at a time.
AI runs on the phone first. Your data lives in a local database and receipts are read on the device. Cloud AI is opt-in: switch it on and only the text of a note, a receipt or a question travels through a small serverless function to Mistral AI in the EU. A privacy receipt in the app counts every byte that has ever left the phone.