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
Upload a PDF bank statement and aiSmartBudget’s AI builds your recurring expense rules automatically. The register then projects every bill, paycheck, and transfer forward, so you always know if you’re on track before an overdraft happens.
- ✓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
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
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 statement to strategy in 4 steps
Connect
Upload your bank PDF statements. No account linking required. Your PDF is scanned once and permanently deleted — never stored, never shared.
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?
Join the waitlist for early access at our July 6th public launch. No credit card required.
No spam. Unsubscribe anytime. Your data is never sold.