Frequently Asked Questions

Tipid is an iOS budgeting app with on-device AI. Track expenses, manage budgets, set savings goals, and get personalized spending insights — all without your data ever leaving your device.

Tipid uses Apple’s Foundation Models (Apple Intelligence) to categorize transactions, parse natural language input, polish voice transcriptions, and generate spending insights. Everything runs on your iPhone — no internet, no cloud, no servers. AI features require iOS 26 or later on a supported device. Tipid works fully without AI too — you just enter categories manually.

Completely. Tipid stores everything on your device. There are no accounts, no cloud sync, no bank sync, and no servers. Your financial data never leaves your phone.

No. Tipid never asks for bank credentials. You enter transactions manually or by speaking natural language like “coffee 150 starbucks” — the AI handles the rest.

No. Tipid works entirely offline. All features — including AI categorization and insights (when available) — run on your device with no internet required.

Tipid runs on any iPhone with iOS 17 or later. AI-powered features (smart categorization, spending insights, voice polish, receipt parsing) require iOS 26 on a device that supports Apple Intelligence (iPhone 15 Pro or newer). The core app — expense tracking, budgets, goals, accounts, exports — works on all supported iPhones. An optional Apple Watch companion app is also available.

Tipid is completely free. You get unlimited transactions, all AI features, receipt scanning, export, and more — no in-app purchases, no subscriptions.

Because AI runs on your device (zero server cost to us) and there’s no cloud infrastructure to maintain. No servers means no reason to charge you.

Yes. You can export all transactions as CSV or JSON, and generate PDF income & expense statements for any period. Your data is yours.

Tipid supports 18+ currencies including PHP, USD, EUR, GBP, JPY, SGD, and more. You can set different currencies per account.