Personal finance assistant
Jodwailaew
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Most budgeting apps die at the entry form. This one has no form. Type “I spent 250 on lunch today” and it works out the account, the category and the date, then files every field for you.
- Per entry1 sentenceNo form to open, no category to pick first
- Starter planFree500,000 AI tokens a month, refilled monthly
FIG. 01 — Receipt / transfer slip: the fields the assistant reads off it
Sequence
SENTENCE TO ENTRY
Three steps, and the middle one is the step other apps skip — you always see what is about to be written before it is.
- 01
Say it
Type it or speak it, the way you would say it to a person. No category to choose first, no need to remember which wallet it came out of. Attach a photo of the slip if you have one.
- 02
Check it
The assistant shows you what it is about to file. One tap confirms. And a deletion cannot go through on a turn you agreed to nothing — that is enforced in code, not asked for in a prompt.
- 03
It is filed
The entry lands in a ledger you can open, edit by hand and report on. Not a message sitting in a chat log.
I spent 250 on lunch today
What gets filed
- 01Amount250.00Expense
- 02CategoryFoodMatched to a category you already have
- 03AccountCashThe one you usually spend from
- 04DateTodayIn your device’s timezone
It does not guess the fields it does not know. If the account or the category is genuinely unclear, it asks — cheaper than filing the wrong row and hunting for it later.
Capabilities
A WHOLE LEDGER, NOT A CHAT BOX
Everything below works both ways — ask the assistant, or do it yourself on the screen. Whichever is faster at the time.
AC
Accounts and wallets
Cash, bank accounts, credit cards, e-wallets — each with its own balance. Hide one you have stopped using and its history stays exactly where it is.
CT
Categories
Your own income and expense categories. Rename one later and everything already filed under it stays attached.
BG
Monthly budgets
A target per category per month, plan against reality, and last month’s whole plan rolled forward in a single call.
RC
Recurring rules
Rent, salary, the standing transfer into savings. Set the rule once, ask what is overdue, and record everything already due in one go.
RP
Reports and trends
Totals over any window, split by category or account, and the shape of your spending by day, month or year.
FC
Forecast
Ask what you will have left at the end of the month. The answer is built from the recurring rules and future-dated entries you have actually set.
AT
Attachments
Keep images and PDFs on the entry itself, so the receipt lives with the figure it backs rather than in your camera roll.
LN
Thai and English
Switch the interface and the assistant independently. It reads a sentence with both languages in it perfectly well.
Why the figures hold
THE MODEL NARRATES. IT DOES NOT COUNT.
This is what separates a finance app with AI in it from a demo. All four are properties of the system, not requests written into a prompt.
Totals are computed in the database
The assistant does not pull a page of rows and add them up. It calls the ledger’s own summary endpoints, PostgreSQL does the arithmetic, and it reports the result — so the number it quotes is the number in your report.
Planned money is never real money
Budgets and recurring rules are intent, and no balance counts them. Entries dated in the future are legal and kept apart in a separate projected figure, so today’s balance stays today’s balance.
“Today” means your today
Every figure splits at midnight in the timezone of the device in your hand — not UTC, and not the server’s. At 1am in Tokyo it really is the next day.
Every write is traceable
When the assistant writes to your ledger, the call and its arguments are stored on the message that caused it. Find an odd row months later and you can trace it back to the sentence it came from.
- 25 AugLunch−250.00
- 25 AugSalary+32,000.00
- 28 AugRent−8,500.00
Security
IT SEES WHAT YOU SEE
Not because the assistant was taught to be careful, but because the key in its hand is your key, and it opens nothing else.
There is no service account
Every call the assistant makes to your ledger carries your own token. There is no shared credential that can read everyone. A bug in the assistant still cannot reach another person’s data.
A prompt hidden in a note goes nowhere
If someone plants an instruction in a transaction note and the model falls for it, the worst it can do is what you could already do yourself. The boundary is the token, not the model’s judgement.
Deletions have to be asked about
The five delete tools are not dispatched at all on a turn you agreed to nothing in. A model that calls one anyway gets an instruction to ask you first — and you see the question, not an error.
Sign in how you like
Email and password, or continue with Google or Facebook. Email verification, password changes and account recovery are all where you would expect them.
Integration
Open your ledger to your own AI tools
Mint an MCP key and secret in settings and point Claude, or any MCP client, straight at your ledger. Write tools require an explicit confirmation argument or they are refused before touching any data. Available on paid plans.
Endpoint
Plans
FREE TO START, FREE TO STAY
The starter plan is not a trial. It is a tier you can live on, and the one the system always returns you to if you ever stop paying.
- ST
Starter
Free
No card required
- The whole ledger. Nothing is held behind a plan
- 500,000 AI tokens a month, refilled monthly
- Unlimited accounts, categories and entries
- Budgets, recurring rules, reports and forecast
- PD
Paid
See in app
Monthly or yearly, billed through Stripe
- A larger monthly AI allowance, for talking to it daily
- MCP enabled — connect your own AI client
- Cancel any time and keep access to the end of the period you paid for
- Falls back to Starter automatically, with no stranded state
- TU
Top-up credit
Pay as you go
Bought once, no commitment
- Add AI credit when the month’s allowance runs out
- The monthly allowance is always spent first, then bought credit
- Bought credit is not wiped when the month rolls over
A plan’s monthly allowance does not roll over; bought credit is a separate bucket and is never cleared. Exact prices live on the plans screen in the app, because the catalogue is priced per currency.
Questions
BEFORE YOU START
- Do I have to use the assistant for everything?
- No. Every ledger screen works on its own — add, edit, delete, set budgets, read reports. The assistant is the shortcut for when typing is faster than tapping, not the only way in.
- What if it files something wrong?
- Fix it like any entry you filed yourself: tell the assistant, or edit it on the transactions screen. And because every write records the call behind it, you can see exactly where it misread you.
- Does it handle multiple currencies?
- One ledger keeps one currency, and you choose which. That is deliberate: a book mixing currencies without a fixed rate produces totals that look right and are not.
- Is my financial data sent to the model?
- Only what answering the question needs, fetched at the moment it answers. The assistant keeps no copy of your balances — it stores the conversation, and every figure stays in the ledger.
- If I stop paying, do I lose my entries?
- No. You move back to the starter plan with the full ledger intact. What changes is the monthly AI allowance and the MCP connection, and nothing else.
START WITH ONE ENTRY
There is nothing to set up first. Make an account, type what you spent today, and see whether it files it right.