Most personal finance “AI” features are gimmicks — a chatbot bolted on to a tracker that doesn't actually know your money. Moneybag's AI Advisor is different: it has full context of your wallets, transactions, categories, and budgets, and it answers in Bangla or English depending on which one you ask in.
What you can ask
- “এ মাসে কীভাবে আরও সঞ্চয় করব?” — get specific cuts based on your last 30 days.
- “Where did I overspend this week?” — category-level diff vs your monthly average.
- “When does my passport expire?” — pulls from Volt.
- “How much did I send via bKash this month?” — wallet-level slice.
- “Set me a realistic ৳20,000 savings goal” — generates a per-week plan.
How the privacy works
The Advisor uses DeepSeek as the underlying model, but with strict guard-rails:
- Your data is only sent when you actively submit a question.
- The transmission goes over an encrypted (HTTPS) pipe.
- We don't store advisor conversations on our servers.
- The model has no persistent memory across sessions — each question is independent.
When NOT to use the Advisor
The Advisor is a thinking partner, not a licensed financial professional. For loan / investment / tax decisions involving significant money, verify with a qualified advisor in your jurisdiction.
Does the AI work offline?+
No — the Advisor needs internet because the model runs in the cloud. Everything else in Moneybag works offline.
Is the AI free?+
Yes — included in Moneybag's free tier. We may add usage limits in the future for fairness, but the core feature stays free.
Will the AI make trades or send money?+
Never. The Advisor is read-only and informational. It can't access your bKash, bank, or any external account.
Ready to take control of your money?
Download Moneybag — free on Android, premium personal finance built for Bangladesh.
Get Moneybag