It proposes.
You sign.

You want answers from your money without handing over control. Tracky's AI spending analyst reads the data you authorize and turns it into what-if scenarios, charts, and flags you can act on. You ask in plain language, you check the preview, and nothing sensitive changes until you approve it. It proposes. You sign. That is the whole deal: the analyst suggests Plan assignments, virtual money-box moves, and recategorizations, while you verify every detail before anything lands. Deny a proposal and your data stays exactly as it was. Behind the chat, automated checks keep watch. Every six hours Tracky evaluates Plan buckets near their limits, upcoming subscription and installment payments, the first projected negative cashflow date, and sync issues. Daily jobs score account health, flag anomalies and duplicates, and close due card cycles. Bill reminders come from your planned expenses with lead times you choose in Settings. One thing matters most: this AI spending analyst is an exploration aid, not financial advice. Projections are nominal estimates you compare across scenarios, never guarantees. Email and Telegram reports stay off until you opt in. And the analyst is environment-gated — self-host and roadmap territory, disabled on the hosted demo, hidden where not enabled.

What your AI spending analyst actually does

You bring the questions, the analyst brings the reading. It scans the accounts, transactions, spending, Plan progress, cashflow, virtual money boxes, subscriptions, and planned items you authorize, then explains patterns in plain words with charts and tables. Ask what-if questions like moving a Plan target or shifting a planned expense, and compare scenarios side by side. It also keeps an eye out while you do other things. Daily checks flag duplicate entries, spending spikes, and account health dips. Bill reminders surface from your planned expenses, and notifications warn you about buckets near their limits, payments due within seven days, or a first projected negative cashflow date. Subscription suggestions stay suggestions: you confirm before anything changes.

How it works, step by step

First you open the analyst where it is enabled and start a conversation in plain language. You can keep several conversations, rename them, and pick an available model and reasoning level. The analyst reads only the data you authorize for that environment. Then you ask and inspect. It answers with explanations, tables, or charts, and every sensitive change arrives as a preview: Plan assignments or targets, virtual money-box moves, planned items, memory updates, or bulk recategorizations. You check amount, currency, account, category, date, and recurrence, then approve or deny. Denial leaves everything untouched. Meanwhile automations run on schedule. Sync and notification checks run every six hours, anomaly checks daily, and the monthly report and subscription review land on fixed days. Reminders dedupe by occurrence and threshold, so the same bill does not spam you.

Honest limits: self-host, gated, never advice

The badge says Self-host / Roadmap, and the demo says disabled. The analyst section appears only where it is enabled; elsewhere its sidebar and command entries hide and the page shows feature disabled. Backend automations and Telegram keep their own schedule regardless. The analyst never gives financial advice and never writes to your ledger on its own. Long-term projections are nominal estimates built from tracked balances and recent cashflow, with assumptions you can override in chat — read them every time and compare scenarios, because nothing is guaranteed. Email and Telegram delivery stay off by default and need your explicit opt-in, with Telegram linked first. You stay the approver on every sensitive change.

Who it is for

You like control and curiosity in equal measure. You track accounts and planned expenses in Tracky, you enjoy testing what-if scenarios, and you want flags for duplicates, spikes, and upcoming payments before they bite. You read assumptions, compare estimates, and approve each change yourself. It fits self-hosters best. You run your own instance, enable the analyst where you choose, and link Telegram or email only if you want them. If you need hands-off money management or certified financial advice, this is not that — and it says so upfront. You get an assistant that proposes, a ledger that waits, and a final call that stays yours.

Questions, answered.