Apple's iOS 27 will bring a range of AI-powered features to iPhone this fall, including receipt-based bill splitting in Apple Cash, autonomous password updates, and smart notification grouping in the Home app — all running through Apple Intelligence.
Apple's iOS 27 will arrive this fall carrying a suite of artificial intelligence features spread across its core apps — from splitting restaurant bills in Apple Cash to automatically updating compromised passwords — reflecting a strategy centered on embedding AI into existing tools rather than funneling users toward a single assistant.
The features are currently live in the developer beta and will move to the public beta before the general release, the company said.
The bill-splitting feature is powered by Apple Intelligence and works by allowing users to photograph a receipt. The software extracts itemized details, tip, and total, then lets each participant in a group chat select their own items — including half-portions — and pay through Apple Cash with a double-click, the same gesture used for standard transactions.
A separate feature addresses compromised credentials. Apple's updated Passwords app will use AI to identify both weak and breach-exposed passwords, then autonomously navigate to the relevant websites, sign in, and replace them with stronger alternatives — without requiring manual action from the user.
Messages in iOS 27 will surface one-tap suggestions derived from conversation context. If a friend asks a user to bring something, Apple Intelligence may prompt adding the request to Reminders. If someone asks for event photos, the system can identify and suggest relevant images by cross-referencing keywords, locations, and faces in the Photos Library.
A feature called Call Context addresses an often-overlooked friction point in customer service calls. When a user places a call — to an airline, for instance — the relevant confirmation code is pulled from the Mail app and displayed directly on the call screen. Apple said the processing runs entirely on-device for privacy and requires no interaction with a voice assistant.
Shortcuts, long considered a tool primarily for power users, will in iOS 27 accept plain-language instructions. A user can describe an automation — such as texting an estimated arrival time when leaving work, or opening specific apps when a keyboard is connected — and the system will build the workflow without requiring knowledge of Shortcuts' existing technical structure.
The Home app will aggregate related smart home events into a single notification rather than generating one alert per action. Apple's example: a partner arriving home, opening the garage, checking the mail, and entering the house would previously generate four separate notifications; iOS 27 will condense them into one summary.
Safari will use Apple Intelligence to group open tabs into topic-based clusters automatically. Tabs related to travel planning, for instance, would be organized into a dedicated tab group, appearing above the current webpage.
Natural-language Calendar entry rounds out the set, allowing users to describe events in plain text — with Apple Intelligence extracting contacts, locations, and event titles — replicating functionality that third-party calendar apps have offered for several years.
The breadth of the update signals a deliberate approach from Apple: rather than positioning AI as a standalone product requiring new user behaviors, the company is integrating intelligence into the surfaces and workflows iPhone users already rely on daily.
Sara Montes de Oca is the Editor in Chief of TechEchelon. Previously a correspondent and producer in Washington, D.C., covering business, finance, and politics.
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