Explore the available tools
Open Spndy AI and use the tools shown for your account, such as Ask, Insights, Budget coach and Subscription intelligence. Select the relevant currency when offered.
Ask a focused question
For example, ask which recorded spending categories were highest this month. Questions use the recorded data available to the app, so incomplete records limit the answer.
Suggestions need your review
AI responses may be incomplete or incorrect. Suggested budgets do not change your budgets automatically. Category suggestions in the transaction form are optional choices; you still choose what to save.
Follow the data
Use Activity, Budgets and Bills & subscriptions to review the underlying records. Spndy AI does not make purchases, send payments or guarantee future balances.