AI Chat
OpenFinance includes a built-in AI financial advisor. Ask questions about your finances in natural language, and the AI queries your actual transaction data to provide answers.Getting Started
Navigate to Chat from the sidebar. Type a question and the AI will use your transaction history to respond.What Can You Ask?
The AI advisor can answer questions about your financial data:Spending Analysis
- “How much did I spend last month?”
- “What are my biggest expense categories?”
- “Show me all transactions over $500”
Income Tracking
- “What was my total income this year?”
- “How does this month’s income compare to last month?”
- “Show me all income transactions from January”
Cash Flow
- “What’s my cash flow for Q4?”
- “Am I spending more than I earn?”
- “Show me monthly income vs expenses for the past 6 months”
Account Overview
- “What are my current account balances?”
- “How many bank accounts do I have?”
- “What’s the latest balance on my checking account?”
Available Tools
The AI has access to six tools that let it query and update your data in real-time:| Tool | Description |
|---|---|
search_transactions | Search and filter transactions by description, date range, category, or type |
get_account_summary | Get a summary of all bank accounts with their latest balances |
get_cashflow | Calculate income vs. expenses for any date range |
get_category_breakdown | Get a breakdown of spending by category for any period |
get_settings | Read current user settings (fiscal year, timezone, AI model, context) |
update_settings | Modify user settings via natural language (e.g., “change my fiscal year to March 31”) |
Example Prompts
Here are some prompts to try:Custom AI Context
In Settings, you can provide custom context about your financial situation. This helps the AI give more relevant answers. For example:“I’m a freelance software developer. My main income comes from two clients. I have a business checking account at TD and a personal account at RBC. My fiscal year ends March 31.”The AI includes this context in every conversation for more personalized responses.
Model Configuration
OpenFinance uses OpenRouter to access AI models, with Cerebras Llama 4 Scout as the default for fast responses. You can change the AI model in Settings under the AI section. Any model available on OpenRouter can be used.Limitations
- The AI can only access data that has been uploaded and processed in OpenFinance
- It does not provide specific investment advice or tax advice
- Each conversation turn allows up to 5 tool calls to prevent runaway queries
- The AI cannot modify your data — it is read-only