AiMoola Review: An AI-Native Bill-Splitting & Expense App That Finally Does All Your Money Math

Most of us live in quiet financial chaos:

One app for splitting group bills, a spreadsheet for family budgets, random screenshots buried in chats, and side-hustle income tracked… somewhere.

AiMoola, a new AI-native expense app, is trying to fix exactly that. Think of it as a shared expense tracker, a personal & family budgeting tool, and an AI bookkeeper — all rolled into one clean, ad-free app.

And for now, new users get one year of membership for free, with no ads.

All-in-One: From Bill Splitting to Real Shared Ledgers

Most bill-splitting apps stop at one job: telling you who owes who after a dinner or trip.

AiMoola goes further:

It handles bill splitting for groups — roommates, trips, class funds, clubs, or small business partners.
It also supports full ledgers for personal, couple, and family finances, so you’re not forced to use one app for shared expenses and another for your own budgeting.
It even supports splitting income, which is rare: perfect for small partnerships, side hustles, or projects that bring in shared revenue.

Instead of being “just another split app,” AiMoola aims to be the place where all your shared money flows live.

AI-Native from Day One: Talk, Type, or Snap — It Just Logs

The most impressive part isn’t the splitting. It’s how you log the money in the first place.

AiMoola is built as an AI-native app, which means the AI is not an add-on — it’s the starting point:

Voice: Say, “Dinner 80 dollars, Uber 24, split between four of us,” and let AI parse, categorize, and split in seconds.
Text: Type natural language like you’re messaging a friend: “Rent 1200, roommates 3, I paid.”
Images: Upload receipts or screenshots (shopping, delivery, bills), and AiMoola will batch recognize amounts, dates, and categories, then log them automatically.

No more manual typing line by line. The app behaves less like a form and more like a chat with a very smart accountant.

Clear Settlements: Instantly See Who Owes Who

If you’ve ever ended a group trip with ten people and twenty receipts, you know the real pain: figuring out who should pay who, and how much.

AiMoola automatically:

Tracks each person’s actual payments and shares
Computes who owes who, not just totals
Generates a clear settlement plan so you can see, at a glance, how to settle up with the fewest transfers

It’s essentially that spreadsheet one “Excel friend” always builds — except now it’s generated for you.

Shared Expenses and Private Life in One Place

One subtle but important design decision: AiMoola is made to handle both shared and personal money.

You can:

Keep a private ledger for your own expenses
Run a shared ledger for your partner, roommates, or family
Create project-based ledgers for trips, class funds, side businesses, or clubs

Different ledgers, different members, one brain. You don’t have to jump between multiple apps to understand your money.

No Ads, Clean UI, High Value

Early-stage apps tend to be either overloaded or full of ads. AiMoola is neither.

Right now, the app offers:

A friendly, modern interface that doesn’t feel like accounting software
No ads, which makes a huge difference for something you might open several times a day
One year of membership free for new users, making it a rare combo of powerful features + high value

For cost-conscious students, young professionals, and families, that’s a compelling proposition.

Who AiMoola Is Perfect For

From our testing and the way the app is designed, AiMoola seems tailor-made for:

College roommates splitting rent, Wi-Fi, groceries, rides, and takeout
Couples who want to track shared expenses without merging everything into one bank account
Families managing everyday spending, trips, and kids’ activities
Small business partners / side hustles splitting both expenses and income
Class funds, clubs, and project teams that need transparent, shared records