PennyPal — AI Subscription With Bill Tracker | SwiftUI iOS App

AI Personal Finance — Subscription & Bill Tracker (Native SwiftUI)

Stop losing money to forgotten subscriptions. AI Personal Finance is a premium, 100% native SwiftUI iOS app that tracks every subscription and recurring bill in one beautiful place — with an AI scanner that detects hidden charges, smart renewal reminders, gorgeous analytics, and a built-in StoreKit 2 paywall. No backend. No Firebase. No login required. Rebrand it and ship to the App Store today.

⭐ Why This Template Stands Out

• 100% Native SwiftUI + SwiftData — no Objective-C, no storyboards, no legacy WebView. Built for iOS 17+.
• Zero backend, zero server cost — works fully offline with optional iCloud (CloudKit) sync. No Firebase setup headaches.
• AI-Powered Statement Scanner — detects recurring charges from a bank statement (paste text or OCR a screenshot) using the user’s own OpenAI key.
• Monetization built-in — StoreKit 2 subscriptions (monthly / yearly / lifetime) with a high-converting paywall and a free-tier limit you control.
• Privacy-first — all data stays on device; Face ID App Lock included. You can honestly select “Data Not Collected” on the App Store.
• Ready to publish — clean MVVM code, full documentation, reskin guide, and App Store submission checklist.

Full Feature List

• ✅ Beautiful animated onboarding (4 pages, no image assets)
• ✅ Dashboard with animated total monthly spend & upcoming renewals
• ✅ Renewal countdown badges (turns red when a bill is due soon)
• ✅ 30+ prebuilt popular services (Netflix, Spotify, Disney+, iCloud+, ChatGPT, and more)
• ✅ Add unlimited custom subscriptions — any price, cycle, category, color & icon
• ✅ Smart renewal reminders via local notifications (no push server needed)
• ✅ Insights: 6-month spend trend, category donut chart, yearly projection
• ✅ Potential-savings detector for rarely used subscriptions
• ✅ AI Statement Scanner — paste or OCR a statement to auto-detect subscriptions
• ✅ Subscription detail view with payment history & total-spent tracking
• ✅ Pause / resume subscriptions
• ✅ Face ID / Touch ID App Lock
• ✅ iCloud sync across the user’s devices (CloudKit)
• ✅ CSV export via native share sheet
• ✅ Multi-currency support (all ISO currencies)
• ✅ Full Light & Dark mode
• ✅ StoreKit 2 paywall — free tier + Pro (monthly / yearly / lifetime)
• ✅ 3 alternate app icons, haptics, empty & error states everywhere
• ✅ Dynamic Type & VoiceOver accessibility support

Tech Stack (100% Native Apple Frameworks)

• SwiftUI — entire user interface
• SwiftData — local database + iCloud sync
• Swift Charts — insights & analytics
• StoreKit 2 — subscriptions & in-app purchases
• UserNotifications — renewal reminders
• Vision — on-device OCR for statement screenshots
• LocalAuthentication — Face ID / Touch ID lock
• Keychain — secure API key storage
• OpenAI API — optional AI scanner (bring your own key)

No CocoaPods. No Swift Packages. No third-party SDKs. Nothing to install — open in Xcode and run.

What’s Included

• Complete Xcode project (clean, commented, MVVM architecture)
• Full documentation (HTML) with step-by-step setup
• Rebranding & reskin guide
• StoreKit configuration file for testing purchases in the simulator
• App Store submission checklist

⚙️ Requirements

• Xcode 15+ / iOS 17+
• Apple Developer account (to publish to the App Store)
• OpenAI API key — optional, only for the AI scanner feature. The app works fully without it.

Support

Fast, friendly support through the comments section. The documentation covers 95% of setup questions. We reply within 24 hours.

Note: This is app source code for developers and publishers. The AI feature requires the buyer’s own OpenAI API key (pay-as-you-go, extremely low cost with gpt-4o-mini). All other features work with no external service and no server.

If this template helps you launch your app, we’d love a ⭐⭐⭐⭐⭐ rating — it means a lot!