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Meet Your AI Financial Assistant: Ask My Money Guide

Learn how to use Spendly's AI chat feature to get instant answers about your spending, budget, and financial health.

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AI financial assistant chat interface

Your Money, Now With Answers

Imagine being able to ask your finances a question and getting an instant, accurate answer. That's exactly what Spendly's "Ask My Money" feature does.

Instead of digging through spreadsheets, bank statements, or complex reports, you can simply ask: "How much did I spend on restaurants last month?" or "Am I spending more this month than usual?"

What You Can Ask

Ask My Money understands natural language, so you can ask questions like you would ask a financial advisor:

Spending Questions

  • "How much did I spend on food this month?"
  • "What's my biggest expense category?"
  • "Show me all transactions over $100 this week"
  • "How much have I spent at Starbucks this year?"

Budget Questions

  • "Am I staying within my grocery budget?"
  • "How much budget do I have left for shopping?"
  • "Which categories am I overspending in?"

Insight Questions

  • "Where can I cut back to save more?"
  • "How does my spending compare to last month?"
  • "What subscriptions am I paying for?"
  • "When do I spend the most money?"

Getting Started with Ask My Money

Step 1: Open the Chat

In the Spendly app, tap the chat icon in the bottom navigation (web) or swipe left from your dashboard (mobile). You'll see the Ask My Money interface.

Step 2: Ask Your First Question

Start simple. Try asking "How much did I spend last month?" The AI will analyze your transactions and give you a clear breakdown.

Step 3: Dive Deeper

Based on the answer, you can ask follow-up questions like "What did I spend the most on?" or "Show me all my dining expenses." The conversation is contextual, so the AI remembers what you've been discussing.

Step 4: Take Action

When the AI identifies areas where you're overspending, it will suggest actionable steps like setting a budget, canceling unused subscriptions, or adjusting your spending habits.

Pro Tips for Better Answers

  • Be specific with timeframes: "this month" vs "last 30 days" vs "this year"
  • Use merchant names: "How much have I spent at Target?" works great
  • Ask comparison questions: "How does this month compare to last month?"
  • Request visual data: "Show me a breakdown of my spending" will generate charts

Try It Today

Ask My Money is available with Spendly Pro. Start your 7-day free trial and start having conversations with your finances. You'll be amazed at what you learn about your money.