Ask Denis
Denis is the assistant built into AI Money. It answers questions about your money: what you spent on food last month, how your budget is doing, where the money went.
It is not a chatbot bolted onto a finance app. The questions it is good at are the ones a spreadsheet makes you work for.
What it can see
When you ask something, what travels is your name, the transactions in the range you are asking about, and a compact summary of your accounts with their balances and your budgets with their progress. That last part is what lets it answer "how much do I have in Nequi" or "how am I doing on groceries".
Your chat history stays on your phone. It is not stored on our servers.
Good questions
- How much did I spend on food in July?
- What is my biggest expense this month?
- Can I afford 500,000 this week?
- How am I doing against my budgets?
- What subscriptions are charging me?
What it will not do
Denis stays inside personal finance. Ask it to write your CV and it will decline, politely. That boundary is deliberate: an assistant that answers everything is an assistant nobody trusts with their bank balance.
It also does not move your money. It has no ability to make payments, and it is not connected to your bank. AI Money is a tracker, not a wallet.
Limits
| Free | Pro | |
|---|---|---|
| Chat | Available, with an ad before requests | Much higher allowance |
| When you reach the allowance | You are told, and manual work still works | You are never blocked, you may see an ad |
Suggestions and Score
Two related screens live next to the chat:
- AI suggestions, reachable from the sparkle button anywhere in the app, which reads your recent activity and proposes things to change.
- Score, a financial health figure built from your own numbers.
Being honest about what it is
Denis is a language model reading your transactions. It is very good at summarising and comparing, and it can be wrong about arithmetic edge cases in the same way a person skimming a statement can.
Any figure it gives you exists somewhere in the app as a real number, in Reports, in the account card, in the budget bar. When something matters, check it there. That is not a disclaimer we are hiding behind, it is how the app is built: the ledger is the truth and everything else is a view of it.