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AI built into Hunch

Ask your money anything.

Hunch has an AI assistant that actually knows your finances. Ask about spending, budgets, net worth, or cash flow — it runs the numbers, draws the chart, and only sees the data you allow.

Get started for free
app.hunch.money/chat
WHAT YOU CAN ASK

Real questions, real answers — from your real data.

No dashboards to dig through. Ask the kind of thing you’d ask a money-savvy friend, and the assistant pulls the answer — and the chart — straight from your accounts.

Ask your money anything
Type a question in plain language — “how much did I spend ordering out?” — and the assistant answers from your own data, then charts it.
Ask your money anything
It charts the answer
Breakdowns, trends and rankings come back as interactive charts instead of walls of numbers.
It charts the answer
On track for your goals
Check progress on your savings and debt-payoff goals in a single sentence.
On track for your goals
Your whole net worth, in one answer
Ask where you stand and the assistant reads every account — checking, credit and investments — at once.
Your whole net worth, in one answer
Plan your future, ask “what if”
Run projections and scenarios on your savings rate, net worth growth, and financial independence timeline just by asking.
Plan your future, ask “what if”
What are your top categories?
Ask what you spend the most on and the AI breaks it down by category, merchant, or date range.
What are your top categories?
“How much did I spend ordering out this year?“Is my electric bill creeping up?“What did I spend at Costco last month?“How much are my subscriptions costing me?“Am I spending more on groceries than last year?“What were my largest expenses last month?“How much did I spend on gas in 2025?“What did I spend over the holidays?“What’s my current net worth?“What does my cash flow look like for the next 3 months?
WHAT IT KNOWS

A finance expert with tools, not a chatbot with opinions.

Behind the conversation is a set of tools that compute against your data and the live market. Every number it gives you comes from one of them — never made up.

Spending & budgets

Spending by category, budgets vs. actuals, biggest expenses, and top merchants — broken down over any date range you ask for.

Cash flow & income

Income, expenses, and net for any window — plus a short-term cash-flow forecast built from your recurring patterns and income streams.

Net worth & accounts

Assets, liabilities, and net worth, plus every account balance with its kind and currency — the full picture in one answer.

Investments

Holdings, asset-class allocation, and live quotes for US and crypto tickers — so you can ask “what’s my allocation?” and see it.

Goals & subscriptions

Progress on savings and debt-payoff goals, and a list of detected recurring bills and subscriptions with their monthly cost.

Live rates & calculators

Mortgage, compound-growth, debt-payoff, and savings-rate math — plus live FX rates and current interest rate data.

Projections & planning

Run financial projections and “what if” scenarios on savings rate, investment growth, cash flow, and long-term wealth — when could you reach your goal?

Web search

When the answer is outside your data — current rates, market news, or a financial definition — the assistant can search the web for it.

HOW IT WORKS

From question to charted answer in three steps.

01

Choose what it can see

Tap the Data button and turn on the scopes you want — spending, transactions, investments, net worth. Sensitive scopes stay off until you enable them, so you’re always in control of what the assistant can read.

02

Ask in plain language

Type a question like “how am I tracking on my budgets?” or pick from the AI-personalized suggestions the app generates based on your enabled scopes. A collapsible Thinking block shows which tools ran and why, so you can see every step.

03

Get a charted answer

Instead of a wall of text, you get an interactive chart plus a sentence or two of insight. Three contextual follow-up questions appear below each response — tap one to keep digging without retyping.

IT DRAWS THE ANSWER

Charts instead of walls of text.

For any breakdown, ranking, or trend, the assistant renders an interactive chart inline and adds a line or two of insight — so you see the shape of your money, not just the digits.

Cash flowSpending by categoryBudget vs. actualNet-worth trendPortfolio allocationTop-N rankingsIncome → spending SankeyNet worth projection
PRIVATE BY DESIGN

The AI only sees what you let it.

AI is opt-in and scoped. The assistant sends the model only the results needed to answer — and only for the scopes you’ve switched on. Your data is never used to train models, and never sold.

Prefer your own provider? Bring your own OpenAI or Anthropic key and route the AI through your own account — unlimited, billed directly to you.

Data the AI can use

Toggle any scope on or off — sensitive ones start off.

Cash flow & income
Spending & budgets
Goals & bills
Accounts & net worth
Transactions
Investments
Projections & planning
FAQ

Common questions.

No — you decide. A “Data” button lets you toggle exactly which scopes the assistant can read: cash flow & income, spending & budgets, goals & bills, accounts & net worth, transactions, investments, and projections & planning. Sensitive scopes are off until you turn them on, and the AI is only given the tools for the scopes you have enabled. Nothing is shared until you opt in.

Stop digging through dashboards. Just ask.

An AI that knows your money, charts the answer, and only sees the data you allow.

Get started for free