AI Spending Deep Dive
A written report about your own spending, prepared from the statements already on your device. Everything you use today stays free; this is a deeper reading laid on top of it, and you decide when to run it.
See a real report first
These are full example reports, not short samples. They are built from a fictional household's statement, so no real spending is shown.
Both examples are free to read. You do not need a subscription.
Your first report: twelve months, read end to end
When you subscribe, the first report covers your last twelve months: where the money actually went, how your habits shifted month to month, which recurring charges and fixed costs never stopped, what looks duplicated, where the money is leaking in priority order, and a plan for the next 30 and 90 days.
A monthly deep dive, whenever you ask for it
Once you have added a newer statement, you can run a monthly report for the most recent month. It puts the change that matters most first, explains why it moved and whether it is likely to continue, follows your fixed costs and recurring charges, and ends with at most three things to do next month. It runs only when you tap the button — there is no automatic monthly run and nothing happens in the background.
Checked from several angles, not summarised once
Your device computes the figures first — totals, categories, month-over-month changes, recurring charges. The AI never calculates a number. It reads those figures from three separate angles (structure, change, recurring spend), then every claim is cross-checked against the computed figures before anything is written.
Reports are kept, not shown once
Every report is saved on your device and listed by month and year, so you can reopen an old one and compare it with today. Reports you already have stay readable even if your subscription ends — only creating new ones stops.
Written in all five languages at once
Each report is written in all five app languages when it is created, and saved that way. Switch the app language later and the same report opens in the new one — including after your subscription has ended, when a missing translation could never be produced.
Nothing runs on its own
There is no scheduled analysis, no background run and no automatic upload. A report is created only when you agree on the consent screen and then start it yourself. You can withdraw consent at any time in Settings, and reports already saved stay exactly where they are.
Two monthly plans in the App Store
Personal analysis covers reports about your own spending. Business analysis includes all of that and adds reports for your business, so you never pay for both. Both are auto-renewing monthly subscriptions billed by Apple, renewing until you cancel, and you can cancel or restore purchases in your Apple ID subscription settings at any time. There is no other payment method and no other way to buy.
What is sent, and what is never sent
When you create a report — and only after you have agreed — a minimal, masked and aggregated set of figures goes to our relay server and then to the OpenAI API: the months covered, the week of the month a payment fell in, the category, a generalised merchant name, amounts, and whether a charge recurs. What never goes out: the statement file, bank logins, account numbers, card numbers, your name, email, phone number, memos and exact transaction dates. Our server stores neither your transactions nor the figures it passes on. The consent screen sets all of this out in full.
Running a business? There is a plan for that
The separate business space gives you a cash-flow diagnosis and a monthly business deep-dive, built from the statements you import there. It comes with the business plan, which also includes everything in the personal plan — the personal plan on its own does not include business reports. The business space is a management summary, not a tax filing or an accounting record, and it never mixes with your personal figures.
The exact price is shown by the App Store in your own currency before you confirm. Your subscription renews monthly until you cancel.
Importing statements, classification, monthly summaries, recurring-charge analysis, your own rules, saving, backup and restore all stay free and continue to run entirely on your device.