Features
Everything on your financial dashboard,
powered by AI.
The predictive finance tools executives use to run companies — built for your household.
AI-Powered Register
See your balance 30 days into the future, and beyond
Connect your bank and aiSmartBudget’s AI analyzes your real transaction history to build your recurring expense rules automatically. Prefer to upload a PDF statement instead? That works too. Either way, the result is the same: a complete set of spending rules, a live projected register, and a forward view of your cash flow that no other personal finance app gives you.
- ✓Connect your bank directly via Plaid — transactions sync automatically, no PDFs required
- ✓Auto-categorizes transactions across 74 expense subcategories
- ✓Detects recurring bills, payment frequency, and your pay schedule
- ✓Learns your seasonal billing patterns for projections that reflect reality
- ✓Running projected balance with surplus coaching built in
| Date | Payee | Amount | Balance |
|---|---|---|---|
| — | Opening Balance | — | $237.00 |
| Oct 1PROJ | Paycheck — Direct Deposit | +$2,042.00 | $2,279.00 |
| Oct 1PROJ | Avalon Apartments | -$1,850.00 | $429.00 |
| · · · | |||
| Oct 13PROJ | Safeway — Groceries | -$210.00 | -$79.00 |
| · · · | |||
Goal Coaching
Personalized to your financial destination
Tell aiSmartBudget your goal and the AI advisor tailors every recommendation to your situation. It sees your income, your spending patterns, and your surplus, then coaches you on the fastest path to achieving your goal.
- ✓Emergency fund tracker: see exactly how many months until you're covered
- ✓Debt paydown plan with month-by-month progress and payoff date forecast
- ✓Major life goal savings roadmap with a projected target date
- ✓Windfall advisor routes tax refunds and bonuses directly toward your goal
- ✓Full ownership cost projector for home buyers — PITI, PMI, and HOA across multiple properties and locations
Who It’s For
Three financial destinations. One GPS.
Track your path to 3–6 months of living expenses, smooth out cash flow gaps, and see the exact month you'll be fully covered.
- ✓Emergency fund progress tracker with projected target date
- ✓Spot future negative balances before they trigger NSF fees
- ✓Milestone alerts when you hit 1, 3, and 6 months covered
- ✓Surplus advisor routes extra cash toward your fund
Get a personalized debt paydown plan with a clear payoff date so you can finally see the finish line, and what's beyond it.
- ✓Avalanche or snowball strategy — your choice
- ✓Months-to-payoff forecast updated every month
- ✓AI coaching when surplus income can accelerate your payoff
- ✓Credit card timing guidance to maximize your grace period
Whether it's a home, a wedding, or college — set your destination and get a savings roadmap built around your actual cash flow.
- ✓Down payment or savings goal tracker
- ✓Dynamic savings rate based on your real monthly surplus
- ✓Windfall allocation advisor for tax refunds and bonuses
- ✓Projected target date that updates as your finances change
How It Works
From connection to clarity in 4 steps
Connect
Connect your bank directly and your transactions sync automatically. Prefer to start with a PDF statement? Upload it instead — scanned once and permanently deleted. Either path gets you to the same place.
Analyze
AI reads every transaction, detects recurring bills, identifies your pay frequency, and maps everything to 74 budget subcategories automatically. Under a minute.
Plan
Review AI-generated rules, make adjustments, and choose your financial destination. Seasonal billing patterns detected automatically from day one.
Navigate
Your projected register updates in real time. When something changes (a windfall, an unexpected expense, or a raise), your financial GPS recalculates and gives you a new route.
Ready to activate your financial GPS?
Let aiSmartBudget frame out your financial plan.
Start My Financial GPS →