AI Chat

Ask questions about your finances in natural language. Get spending analysis, budget advice, and personalized saving tips — powered by AI.

Overview

The AI Chat tab is your personal financial assistant. You can ask questions in plain language and get detailed answers based on your actual spending data.

How to Use

1. Tap the AI Chat tab (the rightmost tab in the bottom navigation)
2. Type a question in the text field at the bottom (placeholder: “Ask about your budget…”)
3. Tap the send button (arrow icon)
4. Read the AI response in the chat bubble

The AI assistant responds with analysis based on your real transaction data for the current account.

Quick Action Buttons

Three preset buttons appear for common questions:

Tap any button to instantly send that question.

Voice Input in Chat

1. Tap the microphone button (left of the text input)
2. Speak your question
3. The transcribed text is processed and sent

Note: Voice processing status shows as “Processing voice…” while being transcribed.

Example Questions

Analysis Questions: - “What did I spend the most on this month?” - “How much did I spend on food last week?” - “Am I on track with my budget?” - “Compare my spending this month vs last month” - “What are my top 3 expense categories?” - “How much did I spend on transport this year?” - “Give me tips to save money” - “When will my monthly budget run out at this rate?”

Natural Language Commands: - “Add expense 500₴ for groceries” - “Create budget 10000₴ for entertainment for March” - “Add income 50000₴ from salary” - “Show my expenses last week” - “What’s my budget status?” - “Show category breakdown for this month”

Conversation History

You can browse and reopen previous AI conversations at any time:

1. Tap the History (clock icon) button at the top of the chat tab
2. A list of past conversations appears, showing the title and date
3. Tap any conversation to load its messages
4. You can continue the conversation by typing a new message
5. To start fresh, tap the New Conversation button (top-left, visible when a past conversation is loaded)

Loaded conversation history is also saved locally for offline access after the first load.

Shared Conversations

If you share an account with other members, you can turn a conversation into a shared group chat where everyone talks with the AI together.

• Turn sharing on or off: the account owner sees a Shared / Private toggle at the top of the chat. Tap it to make the current conversation shared (visible to all members) or private again. Only the owner can change this; other members see a read-only “Shared” label. The toggle only appears when the account has more than one member.
• Everyone sees the conversation: in a shared conversation, messages from other members appear with their name, and new messages show up automatically while you have the chat open.
• Address a person instead of the AI: type @ and pick a member to mention them. When you mention a member, the AI stays silent — the message is meant for that person, not the assistant. If you don’t mention anyone, the AI answers as usual.
• Notifications: if you mention a member who isn’t currently viewing the chat, they receive a push notification so they don’t miss it. This respects your “Shared activity” notification setting.

Private conversations work exactly as before — only you can see them, and the AI always answers.

Chat Features

• Conversation history — previous messages are preserved during your session and can be reopened via the History button
• Typing indicator — shows “Thinking…” while the AI processes your question
• Error handling — if something goes wrong, you’ll see an error message with a retry option
• Natural Language Commands — create expenses, income, budgets, categories, and query data using plain language
• Action Confirmation — when creating financial records, AI shows a preview and asks for confirmation before saving
• Smart Language Detection — AI automatically responds in your language (English, Russian, Ukrainian, Belarusian, German, Spanish, French, Polish)
• Currency Recognition — supports symbols: ₴ (UAH), $ (USD), € (EUR), zł (PLN), £ (GBP), ₽ (RUB)
• Telegram Bot — use the same AI Chat from Telegram. Send text, voice, or receipt photos directly to the bot
• Automatic Account Detection — mention an account name in your message (e.g., “Show expenses in Family”) and AI will query that account automatically

AI Request Limits

Each message you send uses one AI request from your monthly allowance:

When you run out of requests, you’ll be prompted to upgrade your plan.

Natural Language Commands

You can now execute real actions directly from the chat:

Creating Records

1. Type a command like: “Add expense 500₴ for groceries”
2. AI shows a confirmation card with: - Amount and currency - Category (auto-detected or default) - Date (today by default)
3. Tap Confirm to create the expense, or Cancel to reject
4. After confirmation, the expense is saved and you’ll see a success message

Supported create commands: - Expenses: “Add expense 500₴ for groceries”, “Spent 1200₴ on transport yesterday” - Income: “Add income 50000₴ from salary”, “Received 5000₴ bonus” - Budgets: “Create budget 10000₴ for entertainment for March”, “Set monthly budget 3000₴ for food” - Categories: “Create expense category Food”, “Add income category Freelance”

Debt & Loan Commands

Manage your debts directly from chat — no need to open the Debts screen:

• “Sarah repaid me $80” → records a partial repayment for Sarah’s debt (shows confirmation first)
• “I lent John $200 until Friday” → creates a new lent-money entry
• “Borrowed 5000₴ from mom” → creates a new borrowed-money entry
• “Show my debts” → instantly lists all active debts with remaining balances

If you have multiple debts with the same contact name, the AI will ask which one you mean.

Savings Goal Commands

Update your savings goal progress without leaving the chat:

• “I saved $200 for my vacation fund” → updates the current balance of your Vacation goal
• “Add 500₴ to my car goal” → increments the Car goal balance
• “Set my emergency fund to $3000” → sets the current amount directly

The AI matches goal names from your active goals list. Confirm the action in the preview card before it’s saved.

Querying Data

These commands execute immediately and show results:

• “Show my expenses last week” → displays expense list with total
• “What’s my budget status?” → shows all budgets with progress bars
• “Show category breakdown for this month” → displays spending by category with percentages
• “Show my debts” → lists all active debts with amounts owed

FAQ

• Q: Does the AI have access to all my financial data? A: The AI can access your expenses, income, budgets, and categories for the currently selected account. It does not access other accounts or personal data beyond financial transactions.

• Q: Can I use AI Chat offline? A: No, AI Chat requires an internet connection to process your questions.

• Q: The AI gave an incorrect answer. What should I do? A: AI responses are based on your data but may occasionally be inaccurate. You can rephrase your question for better results, or verify the data in the Analytics tab.

• Q: Can I undo a confirmed action? A: After you confirm an action (like creating an expense), it’s saved to your account. You can delete it manually from the Expenses tab.

• Q: What happens if I reject an action? A: If you tap “Cancel” on a confirmation card, the action is rejected and nothing is saved. The AI will acknowledge the rejection.

• Q: Can I use AI Chat from Telegram? A: Yes! Link your Telegram via Settings and chat with the AI bot directly. All features work the same — text, voice, commands, and receipt scanning. See Telegram Bot for details.

• Q: How does AI know which account I’m asking about? A: If you mention an account name in your message (e.g., “expenses in Family”), the AI automatically queries that account. Otherwise, it uses your current default account.

See also: Spending Story | Analytics