How to use Ask AI for your finances

What Is Ask AI?

Ask AI lives in your financial dashboard under the Ask tab. It's a conversational interface that understands your connected bank data and can answer questions, surface insights, and help you take action — all in plain English.

Getting Started

What You Can Ask

Ask AI can help with a wide range of financial questions and actions:

Spending Analysis

• "How much did I spend on food this month?"

• "What are my top 5 expenses?"

• "How has my spending changed over the last 3 months?"

• "Which merchants am I spending the most at?"

Income & Cash Flow

• "What's my net cash flow this month?"

• "How much income did I earn last quarter?"

• "Am I spending more than I earn?"

Budget Help

• "Am I on track with my budget?"

• "Which categories am I overspending in?"

• "How much do I have left to spend on dining this month?"

Goals & Savings

• "How are my savings goals doing?"

• "Am I on track to hit my emergency fund goal?"

• "How much more do I need to save each month?"

Trends & Insights

• "What's my savings rate?"

• "How has my net worth changed this year?"

• "Show me my spending trends by category"

Voice Input and Output

Ask AI supports both voice input and voice output:

• Microphone button — Tap to speak your question. Your speech is transcribed and placed in the input field so you can review or edit before sending.

• Speaker button — Hover over any AI response and click the speaker icon to hear it read aloud. Only one message plays at a time.

Voice features work on any device with a microphone and are available to all users. For detailed voice documentation including voice-driven actions and keyboard shortcuts, see How to Use Voice Features.

Conversations and Credits

• Multi-session support — Your conversations are saved. On desktop, a sidebar shows your past sessions so you can pick up where you left off.

• Credit cost — The first question in a new conversation costs 1 credit. All follow-up questions in the same conversation are free.

• Suggested questions — After each response, the AI suggests 2–3 contextual follow-up questions you can click to continue the conversation.

Tips for Better Answers

• Be specific — "How much did I spend on groceries in March?" gets a better answer than "Tell me about my spending."

• Use follow-ups — Follow-up questions are free and help you drill deeper into a topic.

• Ask for comparisons — "How does my dining spending this month compare to last month?" gives you actionable context.

• Try voice — Speaking naturally often produces more detailed questions than typing.