AI can help you understand your money – even if you’ve never tried before
For pensioners, stay-at-home parents, and anyone with a flexible schedule – simple, step-by-step, no jargon
«Financial literacy is not a privilege — it's a basic need. Thanks to new technology, it's now within everyone's reach». - Mark Joseph Carney
Mark Joseph Carney, Former Governor of the Bank of England, Expert in Global Economics
«Financial literacy isn’t a privilege — it’s a skill everyone can build. AI can make that journey simpler and more accessible» - Mark Joseph Carney
In today’s world of financial instability, technology can be the key to ensuring stability in personal finances. Artificial Intelligence (AI) can help not just professionals in the financial sector, but ordinary people as well. These technologies allow us to not only see the present, but also plan for the future. They help achieve financial goals step by step, regardless of the challenges one may face.
Financial literacy is not an abstract idea. It is a set of concrete steps anyone can take to improve their financial situation. Today’s technologies, particularly AI, make this process much easier. AI-powered tools not only help analyze expenses but also provide recommendations for optimizing the budget, allowing users to make well-informed financial decisions.
I see a bright future for individuals who use AI as an assistant in managing their finances. It’s not just about creating a future for each user; it’s about forming a more stable economic situation on the level of each individual household. The more people start using accessible technologies to improve their financial situation, the healthier our economy will be.
How it works – more details
1. Choose your goal
When you start, the app asks what matters most to you right now:
• Saving money
• Tracking where it all goes
• Starting your first budget
• Preparing for a big expense or emergency
Example:
“I want to build a safety fund of ₴10,000” or “I want to spend less on groceries.”
No long survey – just 2–3 quick questions to understand your needs.
2. AI creates a personalized plan
Based on your goal and a few answers (like income, spending habits, or debts), AI creates a simple plan:
• Daily or weekly savings tips
• Helpful reminders
• Summaries and suggestions to reduce spending
• Encouraging messages to stay on track
Example:
“You’re spending ₴3,200 on food delivery. If you reduce that to ₴2,000, you could save ₴14,400 a year.”
Everything is explained clearly – no complicated terms or financial jargon.
3. You get tips and track progress
Every day is a small step forward. You’ll see:
• How much you’ve already saved
• What expenses have changed
• How close you are to your goal
Example:
“You’ve saved ₴2,500 – that’s 25% of your goal. Keep going – you’re doing great!”
Like a fitness tracker for your money – clear, simple, and encouraging.
You don’t need to be a tech expert or a financial specialist. With just a few clicks, you choose a goal, and our AI gently guides you — helping you make sense of your money, plan ahead, and build better financial habits. Everything is simple, safe, and made for real life.
Wisdom from an Expert
Mark Carney, on How AI Can Empower Everyday People
«My advice – don’t fear what’s new. If you’ve avoided finance before, now is the time to change that. You don’t need to know everything. Just start – and the system will guide you along the way» - Mark Joseph Carney
The impact of technology on the economy cannot be underestimated, and it is crucial that these tools become accessible to everyone. In the past, only large companies and highly skilled professionals had access to sophisticated financial tools. Today, AI allows anyone, regardless of profession or experience, to leverage these opportunities to improve personal finances.
Your financial stability depends on a small but important step that can change your approach to money. Start small—understand where your money goes, plan your savings, and in time, you’ll see real results. AI can be your assistant at every stage of this process, offering advice, recommendations, and strategies that work best for you.
The effort to provide financial literacy for all is not just a trend; it’s a real way to improve well-being. With the support of technology, anyone can take a step toward financial independence, even if they have no prior experience in this field. This is exactly what I believe in: financial literacy and the use of AI are becoming accessible and valuable for everyone.
Why It Works?
This approach works because it fits real life — not just theories from textbooks.
1. AI sees what you might miss.
The system analyzes your daily spending, regular payments, and habits to give you a complete picture. Often, we don’t notice where the money really goes. AI gently points out: “Here’s a small way to save,” or “This expense repeats but doesn’t bring value.”
2. It’s clear and simple.
There’s no complicated language or confusing finance terms. Just straightforward, human explanations. You don’t need a background in finance or tech — everything is explained step by step.
3. Small steps make a big difference.
There’s no pressure or sudden changes. You start by answering a few easy questions, get simple advice, and make gradual changes. You barely notice the effort — but the savings build up steadily.
4. It’s personalized.
This isn’t a one-size-fits-all solution. The AI learns from your actual behavior and adjusts its advice to fit your lifestyle. Whether you spend on transport, groceries, or grandkids — it helps you in your context.
5. It’s safe.
Your data stays private, never shared or sold. It’s stored securely, and you stay in control. You can adjust permissions or delete your data anytime.
A Revolution in Financial Literacy
Mark Joseph Carney, Former Governor of the Bank of England, Expert in Global Economics
«AI gives everyone the ability to manage their finances, even if you don’t have an economic education. This is a real revolution in financial literacy». - Mark Joseph Carney
«We must ensure that no one is left behind in the digital economy. AI can be a bridge, not a barrier». - Mark Joseph Carney
User Stories
👴 James, pensioner
«I used to think that saving money wasn’t for me, but now I have a small emergency fund. The app made everything feel easy and manageable. I can track what I spend without any stress»
👩🍳 Karen, stay-at-home mom
«Managing my household budget was always a struggle. Now, with the help of AI, I see exactly where the money goes. It’s not about cutting things out, it’s about finding balance and making things work».
🚖 David, taxi driver
«I’ve been driving for years, but I never knew when my busiest times were. With AI recommendations, I can focus on working during peak hours, and my income is way more consistent now»
👨👩👧 Rachel & Mark, young family
We wanted to save for a vacation, but we had no idea where to start. The app helped us set a goal and track progress. Now we’re on track to make our dream trip a reality
💼 Sophia, part-time worker
«With a part-time job, I often didn’t have a clear picture of my finances. The AI tool helped me budget better, and now I feel more confident about managing both my job and personal expenses»
How to Create a Budget Using AI
How to create a financial plan for the year
Start by identifying your financial goals for the upcoming year. This could be saving a specific amount, reducing debt, or planning a big purchase. Then, create a budget that divides your income across different categories (food, utilities, entertainment, savings). Be sure to account for unexpected expenses, such as repairs or medical bills. Regularly review your plan and make adjustments as necessary.
Tips for saving on grocery shopping
• Plan ahead: make a shopping list before heading to the store to avoid unnecessary purchases.
• Take advantage of sales: look out for seasonal discounts and promotions.
• Compare prices: use mobile apps to compare prices at different supermarkets.
• Buy in bulk: for items like grains, pasta, or canned goods, buying in larger quantities can save money in the long run.
How to optimize transportation costs
• Plan routes: Use navigation apps to plan shorter and more efficient routes.
• Use public transport or car-sharing: In urban areas, public transport or car-sharing services can be more cost-effective than owning a car.
• Check rates: Sometimes, using a travel pass or subscription can be cheaper than paying for individual rides, especially if you travel frequently.
How to start investing without big sums of money
• Invest with small amounts: Start by investing in stocks, bonds, or index funds, which allow you to buy small shares of large companies.
• Use online platforms: Many platforms allow you to invest with small initial amounts and low fees.
• Dollar-cost averaging: Instead of waiting to invest a large sum, invest small amounts regularly. This reduces the risks associated with market fluctuations.
How to save for retirement, even with a small income
• Plan early: Even small contributions can add up over decades if you start saving for retirement early.
• Automate contributions: Set up automatic monthly contributions to your retirement fund or savings account.
• Make retirement a priority: Aim to save at least 5-10% of your income for retirement.
How to manage your loans and avoid paying unnecessary interest
• Stay within your means: Make sure you can repay the loan on time before borrowing money.
• Pay off debt with the "snowball" strategy: Start by paying off the smallest debt first, then move on to the next. This gives you a sense of achievement.
• Compare interest rates: Always compare rates and terms before signing any loan agreement.
Why it’s important to build an emergency fund and how to do it
• What is an emergency fund: It’s money set aside for unexpected situations like losing a job or medical expenses.
• How to start: Open a separate account for your emergency fund and make regular contributions.
• Minimum amount: Your emergency fund should cover 3-6 months of living expenses. Start small and increase contributions as your income grows.
Try Now – For Free
Take the first step toward better financial health.