Skip to main content
CalBudget has two AI-related surfaces:
  • AI recommendations for paid users who opt in.
  • Advisor for users on the Advisor plan.

​
AI recommendations

AI recommendations create an informational cash-flow summary from recent transaction and forecast data. Users must opt in from settings. The feature is off by default.

​
What AI can analyze

Depending on available data, AI can summarize:
  • Spending categories
  • Income and expense trends
  • Low-balance risk
  • Recurring charges
  • Possible timing changes
  • Planning habits

​
What AI should not claim

AI output should not claim to be:
  • Financial advice
  • Tax advice
  • Legal advice
  • Credit counseling
  • A guaranteed forecast

​
Advisor difference

Advisor is a higher plan with a guided workflow:
  • Chat about forecast context.
  • Weekly checkups.
  • Generated action plans.
  • Due-step reminders.
  • Shared budget access roles.
AI recommendations are a report. Advisor is an ongoing planning layer.