Help & Guides
How to use AI Budget Assistant, feature by feature.
Getting Started
Download AI Budget Assistant and create your account in under a minute. Set your preferred currency and language, and start tracking your finances right away.
Dashboard
Your financial command center. See your budget status, income, expenses, and wallet balances at a glance, with quick actions to add expenses in one tap. You can show or hide individual sections from [Settings](./11-settings.md) → Dashboard Widgets.
Expenses & Income
View, add, and manage all your transactions. Switch between Expenses and Income tabs, with support for multiple currencies, categories, tags, projects, and expense splits.
Voice Input & Receipt Scanning
Let AI do the work. Speak your expense naturally or photograph a receipt — the app extracts amount, description, merchant, and category automatically.
Budgets
Set spending limits and track your progress in real time. Create budgets for specific categories or distribute your budget across multiple categories, with customizable periods and automatic alert thresholds.
Analytics
Visualize your spending patterns with interactive charts. Filter by time period and currency, drill down into details, and get AI-powered insights to understand your finances better.
AI Chat
Ask questions about your finances in natural language. Get spending analysis, budget advice, and personalized saving tips — powered by AI.
Spending Story
Get an AI-generated narrative report of your finances. See achievements, alerts, and insights presented as an engaging visual story.
Accounts
Organize your finances with separate accounts. Use Personal for individual tracking, Shared for family budgets, and Business for company expenses. Invite members with role-based access control.
Wallet & Currency Exchange
Track balances in multiple currencies and exchange between them with live exchange rates. The wallet automatically updates as you add expenses and income.
Settings
Customize your profile, appearance, dashboard widgets, notifications, and data sync. Change your language, currency, theme, and manage your account preferences.
Subscription Plans
Choose the plan that fits your needs. Start free with full expense tracking, upgrade to Pro for advanced AI features, or go Business for unlimited everything.
Achievements & Gamification
Stay motivated with achievements, daily streaks, XP, and levels. Track your financial habits and earn badges as you build consistency.
Investment Portfolio
Track your investment portfolio with real-time market prices. Monitor stocks, ETFs, cryptocurrencies, bonds, and commodities all in one place.
End-to-End Encryption
Protect your financial data with end-to-end encryption (E2EE). All sensitive information is encrypted on your device before being sent to the server — no one except you (and your shared account members) can read it.
Export & Reports
Generate PDF, Excel, and CSV reports of your finances. View monthly spending digests, create encrypted backups, and receive automated email summaries.
Debts & Loans
Track money you lend and borrow. See who owes you, who you owe, record repayments, and monitor due dates — all integrated with your expenses and income.
Savings Goals
Set a financial goal, and the AI will build a personalized plan — with monthly contributions, category spending limits, and milestone checkpoints to keep you on track.
Fat Finder (Expense Audit)
An AI-powered monthly audit that analyzes your spending, identifies waste — subscriptions, recurring splurges, unnecessary services — and suggests concrete cuts with estimated savings.
AI Response Mode
Choose how the AI talks to you. Simple explanations for beginners, balanced advice for everyday use, or expert-level financial analysis for professionals.
Home Screen Widgets
Add Android widgets to your home screen for instant access to your spending data — or to add expenses without even opening the app.
Chat Bots — Telegram, WhatsApp & Slack
Manage your finances directly from Telegram, WhatsApp, or Slack. Chat with AI, add expenses, scan receipts, and send voice messages — without opening the app.
Scenario Simulator
Drag sliders to adjust your spending and income categories — see exactly how much your savings could change over 3, 6, or 12 months.
Invite Friends — Referral Program
Invite friends, earn bonus AI requests, and unlock milestones. Share your unique referral code and get rewarded when friends actively use the app.
Importing transactions from your bank
Import transactions from a CSV, XLSX or PDF statement of your bank. Supports mBank, PKO BP, Erste Bank, Alior Bank, Revolut, Wise, and any other bank via the universal column mapper.
Reference Data
Categories, merchants, tags, and projects are the building blocks for organizing your expenses. Manage them all from **Settings → Reference Data**.
Subscription Manager
Track all your recurring charges in one place — streaming services, SaaS tools, gym memberships, and more.
Web App
Use AI Budget Assistant right in your browser at https://ai-budget.pl — no install needed. It shares the same account and data as the mobile app.
Alerts: unusual activity
The app watches your spending and notifies you when something looks unusual — no setup needed. Tap the bell icon on the home screen to see all alerts.
Planning ahead — Safe to Spend, Affordability & Auto-Capture
Three tools that work together to help you spend confidently: a live daily budget number, an "can I afford this?" chat question, and automatic expense capture from bank notifications (Android only).
Purchase Requests
Propose a purchase on a shared account and let the group vote to approve or reject it before you buy — from the app or the Telegram/WhatsApp bots.
Family Feed
An activity feed for shared accounts showing what everyone added, grouped by person and day, with emoji reactions.
Group Trip Wallet
A temporary shared account for a travel group — split expenses among members and settle up who owes whom at the end of the trip.
Personal Inflation Index
Track how the prices you actually pay change over time, calculated from your scanned receipts — no AI cost.
Expense Map
See your expenses on a map. Scanned receipts are placed by store address; add your location or drop a pin by hand.
Smart Shopping List
A shared shopping list that also tells you which store is cheapest for your basket — calculated from your own receipt prices, no AI cost.
Financial Wrapped — your year in money
A shareable, Spotify-Wrapped-style look back at your year — your top merchant, biggest month, savings, personal inflation and more — built entirely from what you already tracked. Free for everyone.
Inflation Shield — stock up before prices rise
A free tool that watches the prices of things you actually buy and tells you what to stock up on now, before they get more expensive — built entirely from your own scanned receipts, no AI required.
Receipt Price Check — is this more than you usually pay?
Right after you scan a receipt, each item is compared against the median price you've paid for that same product at that same store before — so you can catch a missed discount while you're still standing at the register.
Receipt Split — get paid back by friends, no app required
Assign a shared bill's items to the friends who had them, and each friend gets a private link to their own share — no app, no account, just a tap to say "I paid."