AI Assistant

The AI Assistant lets you ask plain-language questions about your finances and get instant answers.

Tap Ask AI in the bottom navigation bar to open the chat. From your second account on, net worth takes that slot and Ask AI moves to More.

Example questions

"How much did I spend in March?"
"What were my top 3 expenses last month?"
"How much did I spend on food in Q1?"
"Show me my income vs expenses by category"
"How much did I save this year?"

Follow-up questions

The assistant remembers the last 5 exchanges in the conversation, so you can keep asking without repeating yourself:


You	How much did I spend on food in March?
Assistant	€412.50 across 23 movements.
You	And last month?
Assistant	€389.10 across 21 movements.

Amounts in the examples are shown in euros because that is the default; the assistant quotes whichever currency you picked in Settings → Currency.

Hidden mode does not mask the assistant's answers — they are free text and quote real amounts. Avoid the chat when someone can see your screen.

Filters you don't restate — the category, the type, the period — carry over from your previous question. Anything older than the last 5 exchanges drops out of the assistant's memory, so restate the details if you come back to an earlier topic. Clearing the conversation resets the memory completely.

How it works

You type a question.
CaliMoney works out what data you need — using your recent messages to resolve follow-ups — and queries your movements locally, on your device.
An AI model generates a plain-language answer from the result.

Your movements are filtered and totalled on your device. What leaves it is your question, your recent messages in this conversation, and the result of that local query.

Privacy

The AI Assistant follows the same privacy model as the rest of CaliMoney. Requests are processed by Fireworks AI with zero data retention: your question and the answer are never stored and never used for training.

Sent to the AI provider:

Your question, plus the last 5 exchanges of the conversation.
Totals, counts, and the names of your categories and types.
The date, amount, category and type of the largest matching movements (up to 5 by default).

Not sent:

Your movement descriptions — unless you turn on the option below.
Your full movement history. Only the aggregated result of the query for the question you asked.
Your name, email, or any account identifier.

Letting the AI read descriptions

By default the assistant sees your categories but not what you typed in the description field, so it cannot tell you how much you spent at a specific shop.

A line under the message box always tells you which way it is set, with a Change link straight to the setting. You can also get there via Settings → Privacy → AI assistant and turn on Let AI read descriptions. Answers can then name merchants and payees. The option is off by default and can be turned off again at any time.

Searching by merchant works either way — the search itself runs on your device, so the assistant can count movements matching "Amazon" without the descriptions ever leaving it.

Encryption

If you use end-to-end encryption, the chat is only reachable once you've unlocked your session — the unlock screen blocks the whole app, so the assistant never works from partially decrypted data.

Clearing the conversation

Tap the trash icon in the top-right corner of the chat to clear the conversation.

Otherwise the conversation stays in the browser tab: it survives a page refresh, and is discarded when you close the tab. It is never uploaded to the cloud or synced between your devices. Only the most recent 100 messages are kept.