What the Moneko AI Assistant Can and Cannot Do

Moneko AI can help you understand the information you track and explore a future-money question. It is a planning and explanation tool, not a replacement for your judgment or an authority that can act on your behalf.

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Useful questions to ask

Ask about a specific part of the data you have recorded. Clear questions include a period, Space, Wallet, currency, or date.

• “Why is my spending higher this month?”
• “Which categories changed from last month?”
• “Can I explore the effect of this purchase before July?”
• “What should I check when this total does not match what I expected?”

For a future purchase or timing question, use AI Scenario Planning. It is a beta planning feature that uses the financial context available in Moneko; it does not guarantee an outcome.

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What AI cannot do

Moneko AI cannot:

• move money, initiate a bank transfer, pay a bill, or access bank credentials
• file taxes or provide financial, investment, legal, or tax advice
• verify a receipt against a bank statement or infer facts that are missing from your records
• make an external account balance, a forecast, or a suggestion certain

Treat an answer as a starting point for review. Important financial decisions should use current source records and, where appropriate, qualified professional advice.

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When an answer does not look right

An answer can only reflect the data and context available to it. Before relying on it, check:

• the selected Space and whether personal and household activity are separate
• the date range and financial-month setting
• the Wallets and currencies included in the total
• pending, missing, duplicate, or incorrectly categorized transactions
• recurring items and whether a value is an actual record or a forecast

Correct the underlying transaction or setting rather than adding an offsetting entry to force a different total. Then ask the question again with the corrected context. For a structured check, use Reports, Health, and “explain this number” or Common discrepancies and troubleshooting.

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Keep control of your records

AI capture can save an ordinary transaction from text, voice, a receipt, or a supported file. Open the saved entry to check it, then edit or delete it if necessary. See AI Capture: Accuracy, Review, and Corrections for the correction workflow.

When an AI response is unclear, start with a narrower question and include the relevant period or context. If the underlying data still looks wrong after checking it, contact support with a privacy-safe description of the issue instead of sharing credentials or full financial exports.