How does the AI Advisor work?
Claude-powered financial advisor grounded in your real Plaid data. 20 queries/day for Pro. Not a registered investment advisor — for professional advice consult a licensed advisor.
The AI Advisor uses Anthropic's Claude API to give you personalized financial advice based on your real financial data — your cohort comparison, your actual transactions, your goals. Unlike generic AI chatbots, every Advisor response is grounded in your specific situation.
How to use it: the Advisor lives at Dashboard → AI Advisor. You can ask things like:
- "Am I saving enough for retirement at my income level?"
- "What should I do with my $20K excess cash — pay down debt, invest, or HYSA?"
- "Why is my spending in the bottom 15% for my cohort? Is that good or bad?"
- "Should I refinance my mortgage given my situation?"
What it sees: the Advisor has access to your net worth, recent transactions (last 90 days), peer-cohort distributions, and any goals you've set. It does not have access to your bank credentials, exact account numbers, or social security number.
What it doesn't do: the Advisor doesn't execute trades, transfer money, or make changes to your bank accounts. It's pure advice — the actions are up to you.
Cost + rate limits: Pro users get up to 20 Advisor queries per day (resets at midnight UTC). Free users don't have Advisor access (this is the main Pro upgrade trigger). Your queries don't train Anthropic's models — we use the API with privacy-preserving terms.
Important disclaimer: the Advisor is software giving general financial information. It's not a registered investment advisor and its output should not be treated as personalized investment advice in the regulatory sense. For specific tax, legal, or investment decisions, consult a qualified professional.