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AI Assistant

The AI Assistant is available when OPENAI_API_KEY is configured. The AI Assistant menu entry is always visible; without a key the chat answers with "KI-Assistent ist nicht konfiguriert." (HTTP 503). A floating chat button is also available in the app when AI is configured.

Model and Data Sharing​

The assistant uses OpenAI gpt-4o. Your question, the conversation, and the finance data the assistant needs (accounts, categories, tool results, active insights, learned merchant categories) are sent to OpenAI to produce answers. The assistant replies in German. Uploaded document contents are never read.

What It Can Help With​

The assistant is scoped to Cashlytics finance workflows and works with your own data only.

Read tools: accounts, expenses, daily expenses, income, categories, transfers, monthly overview, forecast, category breakdown, normalized monthly expenses, subscriptions, active insights, a spending summary (top 5 categories, largest single expenses, comparison with the previous month), a month-to-month comparison (compareMonths), and an affordability check ("Can I afford X?") against your monthly balance (checkAffordability).

Write tools: create, update, and delete accounts, recurring expenses, daily expenses, and income; create categories; create transfers; mark insights as read.

Example questions:

  • "What did I spend most on this month?"
  • "Compare May with April."
  • "Can I afford a 600 EUR laptop?"
  • "Create a grocery expense for today."
  • "Which subscriptions are active?"
  • "Is there anything unusual?"

Approvals​

Read-only answers do not require approval. Every write action shows an approval card with a preview of the change and Approve / Deny buttons; nothing is changed until you approve.

Approval-gated actions: create/update/delete for accounts, recurring expenses, daily expenses, and income; creating categories (no update or delete); creating transfers (no update or delete); and marking an insight as read.

Categories and Learned Merchants​

Every expense needs a category. Before booking, the assistant asks in plain text which category to use ("Soll ich das unter der Kategorie X einordnen?") and proposes the one you used before for the same merchant. If none fits, it can propose creating a category. A foreign currency mentioned in your message is recorded on the expense. See Merchant Categories.

Insights​

The assistant sees your active insights and mentions them proactively when relevant.

Chat History​

Conversations are saved. Use Chats to open the history, New chat to start fresh, and Delete chat to remove one.

Limits​

The chat endpoint enforces:

  • finance-only assistant scope
  • authenticated access
  • rate limiting of 20 requests per minute per signed-in user (HTTP 429)
  • only the most recent 100 messages are sent to the model
  • requests above 400,000 characters are rejected with HTTP 413 ("Die Unterhaltung ist zu lang.")
  • maximum 10 tool/reasoning steps