Financial Intelligence
On-device AI that turns your numbers into actionable insight.
Getting There
Access Financial Intelligence from More → Financial Intelligence. The view has three tabs:
- Ask — question shortcuts to relevant screens
- Health — your financial health score
- Insights — spending patterns, projections, and budget performance
Ask Your Finances
The Ask tab groups question shortcuts by net worth, spending, budgets, investments, patterns, and decisions.
Tap a question to open the relevant screen and explore your recorded data. For example:
- "Where did my money go this month?"
- "How are my budgets performing?"
- "Can I afford a purchase?"
These shortcuts open tools and reports; they do not start a chat assistant. Supported AI insights require Apple Intelligence to be available and enabled on your device. Review suggestions against your records.
Financial Health Score
Your Health Score is a 0–100 number that reflects multiple dimensions of your financial wellbeing:
- Budget adherence — are you staying within your limits?
- Savings rate — what portion of income are you setting aside?
- Consistency — are you logging transactions regularly?
- Net worth trajectory — is your net worth growing?
- Bill punctuality — are you aware of upcoming payments?
The score updates as new data comes in. Each factor has a dedicated card explaining how it's calculated and what to improve.
Affordability Engine
The Affordability card answers "Can I afford X?" based on your current SafeToSpend, savings runway, and budget remaining.
It returns one of four verdicts:
- Comfortably — well within your current capacity
- Tightly — possible but it will stretch your budget
- Not yet — insufficient budget remaining this period
- Insufficient data — not enough transaction history to assess
Enter any amount in the affordability field to get an instant verdict.
Runway Calculator
The Runway card shows how many months your current savings can sustain your typical monthly expenses — useful if you freelance, have variable income, or want to understand your financial cushion.
- Comfortable — 6+ months (green)
- Moderate — 3–6 months (amber)
- Tight — 1–3 months (orange)
- Critical — under 1 month (red)
Behavioral Nudges
KineXi surfaces at most one behavioral nudge per day. Nudges are generated on-device from patterns in your data — streaks, milestones, recovery opportunities, and time-based spending patterns.
You can dismiss a nudge permanently (per type, with a weekly cap) from the nudge card.