AI in personal finance isn’t about crystal-ball predictions; it’s about small, consistent advantages. The best tools read your transactions accurately, spot patterns you miss, and surface decisions you’d otherwise delay—like moving idle cash to higher-yield options, rebalancing a lopsided portfolio, or flagging fees you shouldn’t be paying. Think of them as always-on assistants that make the default choice the smarter one.

Cutting waste and boosting savings

Expense classifiers now get merchant names and categories right, which means your monthly picture is clean without weekend spreadsheet work. Once your cash flow is clear, automated rules can round up tiny spends into goal pots, sweep surplus to short-term debt, or push cash above a threshold into a better account or a liquid fund. Fee

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