iPhone Screenshots


Hi, I’m Olivia (as seen on Planet of the Apps)! Here’s what I do best:

- Every morning, I notify you with a spending target for the day based on your financial situation.
- During the day, I chat with you about how to play it smart when spending your money.
- At any time, you can ask me if it is a good idea to buy something you want or need.

People who chat with me frequently have an additional $200-$300 a month in their pockets. That’s 10x more than any other finance or savings app.

Ready for Smarter Spending? Find More Money, Have More Freedom!

Whether you identify as someone who is living paycheck to paycheck, or you'd just like to get smarter with your money in general, you've come to the right place! I am here to help YOU become the MASTER of your money :D

I find (based on what you share with me) patterns in how you typically spend your money. Then, I use that information to provide you with quick and easy steps that will help you spend less on the same things, freeing up money to put towards paying down debt, savings, or purchasing something you love (hello vacation). All you have to do is listen closely and follow along!

I also create challenges for you based on where you need the most help. These challenges are designed to help you change your habits and take better control of your finances over time! If you’re looking for a way to reach financial freedom, we can work together to achieve it :)


My brain uses advanced Artificial Intelligence algorithms to monitor and learn from your spending habits. The more you share with me about your financial situation, the more personalized the insights I can share with you about your finances.

- Follow a daily spending target I give you to hit your savings goals!
- Play financial trivia and master core personal finance topics
- Track your income and expenses
- Receive personalized insights on how to smartly spend your money
- Take on challenges to win awards and virtual prizes
- Level up by proving that you've mastered key concepts and successfully changed some spending habits

So, what are you waiting for? Start your journey to financial freedom today!

What's not to love?

Connect with me here:
Instagram - www.instagram.com/oliviaai_
Facebook - https://www.facebook.com/oliviatalksfinance/
Twitter - https://twitter.com/oliviaai_
Medium - www.medium.com/@OliviaTalksFinance

What's New

Version 1.8.7

In this version, I fixed some minor issues, and fine-tuned my performance!

Ratings and Reviews

3.6 out of 5
77 Ratings
77 Ratings

Amazing for saving and tracking spending!

This app is fantastic. It has a unique interface, where you interact with Olivia, who acts as your personal finance guru. She can be repetitive if you use everyday, but her responses are intelligent and easy to understand. You can choose to get quizzed on financial facts daily. You (securely) link your bank and she tracks your spending habits and bills against your income. I particularly like how she tells how much you can safely spend each day.

My only complaint is that you can manually enter bills and income (good for multiple jobs and bills) but you can't manually sort your spending. For example, you can't organize your "Shopping" spending into categories like clothing, shoes, homewares, groceries, etc. It all just fits under "Shopping". And I'd love to be able to compare food with eating out vs. groceries. This should be a function to manually enter/organize when Olivia imports your card transactions.

Other than that, I'm super happy and this is my only financial tracking app! 8.5/10 :)

Developer Response

Hey there! Thank you very much for your 5-star review. This is what we work for :) Regarding your shopping categorization, just to make sure you're using Olivia to her full potential, we actually have a very broad set of "sub-categories" under "shopping". This way, you can choose and see better where are you spending most of your money. Thank you very much once again :)

The Olivia Team.


Great Concept, but Still Buggy

I’m an avid Mint user, but I’m always open to new things. Olivia provides a simple, straightforward interface for tracking saving and spending through the month, which it does pretty well. The AI walks one through the app smoothly for setup, however mine crashed several times during this phase. Since that, I have not had to restart the app to use it. Having a chart to show savings goals is perfect, and it will also show if one is overspending. This is a big focus for me right now, and I like how Olivia lays it out more than Mint. The daily breakdown of how much I can spend helps a lot too. The biggest disappointment is that I keep getting error messages while refreshing data and my spending categories are buggy in that I’ll have double categories and transactions counted twice so it looks like I spent more. While frustrating, I will continue using the app to see if these issues get fixed, as it does help and will hopefully get even better.

The Real Slim SheaD

Amazing Experience

I saw this on Planet of the Apps just this past weekend and was so heartbroken this wasn’t invested in by Lightspeed! I hope there’s other VCs out there that see the power of this app.

The AI assistant has a great foundation for setting up customers for saving success. I *do* hope as time goes on and it learns my spending habits, that I get better and better recommendations. Also, it would be nice to have a feature that’s like “essentials mode” or something of that nature to activate when you manually don’t want to spend more other than essential expenses. Maybe it could offer me better deals for items I’m already purchasing? But that’s all the future. Great work thus far and plan to monitor this and see if I have the savings success that this can offer.

Developer Response

Hello there! That's a great review! Thank you very much for these 5-stars! Really means a lot to us. That's amazing because we've just created a concept called "essentials mode". But it works a little bit different from what you mentioned. The idea of the essential mode is to provide a minimal amount to the user so he can "live" even if the money is short on that period. But your feedback is really good. We're working hard to improve Olivia every day.

Thank you :)

The Olivia Team


Olivia AI, Inc.
81.9 MB
Requires iOS 9.0 or later. Compatible with iPhone, iPad, and iPod touch.
Age Rating
Rated 4+
© 2017 Olivia AI, Inc.


  • Family Sharing

    With Family Sharing set up, up to six family members can use this app.

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