# Moliyachi AI

> Moliyachi AI is a personal finance assistant inside Telegram for people in Uzbekistan (bot: @KundalikMoliyaBot, https://t.me/KundalikMoliyaBot). Users log income and expenses by typing a short message ("taksi 20 ming"), sending a voice message or a photo/QR code of a receipt; the AI detects the amount, category and card, and the bot sends a daily report in the evening. Works in Uzbek, Russian, English and Korean. Free to start, no app install or registration needed.

Uzbek: Moliyachi AI — Telegram ichidagi shaxsiy hisobchi: xarajat va kirimni matn, ovoz yoki chek bilan yozish, kunlik hisobot, budjet, qarzlar, kartalar. Bepul boshlanadi.
Russian: Moliyachi AI — личный финансовый помощник в Telegram: учёт расходов и доходов текстом, голосом или по чеку, ежедневный отчёт, бюджеты, долги, карты. Начать можно бесплатно.

## What it does

- Expense and income tracking by text, voice message or receipt photo; fiscal receipt QR codes (ofd.soliq.uz) are read item by item
- Cash and several bank cards (Humo, Uzcard, Visa…) with separate balances; it does not connect to banks and never asks for card numbers
- Ask questions in plain language: "bu oy kafega qancha ketdi?" / "сколько ушло на кафе в этом месяце?"
- Daily evening report, weekly report, category budgets with alerts, recurring payments (rent, internet, loans)
- Debts: who owes whom; if the other person also uses the bot, they confirm the debt
- Mini app with charts, history and Excel export; family/group mode in Telegram groups
- Full edit history; delete all data at any time

## Pricing (UZS)

- Free: unlimited simple entries, balance, reports, Excel; +15 ⚡ AI energy per day (up to 30) for AI features (voice, receipts, AI answers)
- Pro: 38,000 so'm/month or 250,000 so'm/year (~20,800 so'm/month): +30 ⚡ per day (up to 90)
- Energy packs: 100 ⚡ — 15,000 so'm; 300 ⚡ — 38,000 so'm (never expire)
- Payments by card (Visa, Mastercard) via Polar (merchant of record), inside the mini app

## Links

- [Home (Uzbek)](https://moliyachi-ai.uz/)
- [Home (Russian)](https://moliyachi-ai.uz/ru/)
- [Guides / articles (Uzbek)](https://moliyachi-ai.uz/maqolalar/): salary split 50/30/20, family budget, saving money, debts, emergency fund, credit and installments, receipt QR codes, daily expenses, student finances
- [Guides / articles (Russian)](https://moliyachi-ai.uz/ru/stati/)
- [News](https://moliyachi-ai.uz/yangiliklar/)
- [Terms of use](https://moliyachi-ai.uz/shartlar/)
- [Privacy policy](https://moliyachi-ai.uz/maxfiylik/)
- [Payment terms](https://moliyachi-ai.uz/tolov-shartlari/)
- [Telegram bot](https://t.me/KundalikMoliyaBot)
- [Support](https://t.me/Moliyachi_AI_support)