AI Insights overview

The Insights page is a chat with an AI assistant that has read access to a summary of your financial data. Ask questions in plain English and get answers grounded in your accounts, transactions, and budgets.

What the AI can do

• Answer questions about your spending — by category, merchant, date range.
• Compare months, surface trends, and highlight unusual charges.
• Walk through what your subscriptions cost annually.
• Summarize your top merchants or top categories for the current month.

What the AI can't do

• Move money or change anything. It's read-only.
• Edit transactions, categories, rules, or budgets. It can describe them, not change them.
• See holdings inside investment accounts. Only balances are tracked.
• Predict the future or give legal/tax advice. It's an assistant, not a financial planner.
• Remember conversations across sessions. Each chat starts fresh.

Bring your own key

Insights uses an AI provider you choose, with an API key you supply. MoneyVue does not include a built-in AI quota. See Configuring your AI provider for setup.

Until a provider is configured, the chat input is disabled and shows "Not configured."

What gets sent to the provider

Every question sends a summarized snapshot of your data — account balances, recent spending by category, top merchants, recent transactions. See AI privacy for the exact contents and how to limit them.

Suggested questions

The Insights page shows a row of suggested prompts to get you started:

• "How much did I spend on food this month?"
• "What are my top 5 expenses?"
• "Show me my spending trends."
• "Do I have any unusual charges?"
• "How much am I spending on subscriptions?"

Click one to send it as-is, or type your own.

FAQ

Is my data being used to train AI models? That depends on your provider's terms. MoneyVue passes the data once per chat — what the provider does with it is governed by their policies. See AI privacy.

Can I run a local model instead? Yes, if it speaks the OpenAI-compatible API. Pick the Custom provider and set the base URL. Custom providers are gated by an admin allowlist; see Configuring your AI provider.

Why is my answer wrong? The AI works from a summary, not your full transaction history. It can miss details and is occasionally confidently wrong. Treat answers as a starting point, then verify on the Transactions or Reports page.