AI Financial Assistant
Ask about your finances in plain English or Swedish.
- “How is my economy?”
- “Can I afford this?”
- “Where does my money go?”
- “What happens if I spend 5,000 SEK?”
AI-powered personal financial operating system
Your financial life. Understood.
MONEYOS is an AI-powered financial operating system that helps you understand where your money goes, predict what comes next, and plan with confidence.
MONEYOS is evolving. Today you add your own numbers or explore the demo; bank connections and paid plans are planned, not yet available.
Demo · sample data, not a real person
Available to spend
3 201 SEK
Balance 18 450 SEK − bills, savings and buffer
Cash flow this month
0 SEK
0 SEK in · 0 SEK out
Safety buffer
3 000 SEK
Your projected balance stays comfortably above your safety buffer.
Goal · New computer
6 200 SEK of 10 000 SEK · behind pace
Goal · Emergency fund
11 400 SEK of 20 000 SEK · behind pace
Forecast · 90 days
≈ 51 000 SEK
Philosophy
Understand → Predict → Plan → Act
01
Understand
See where your money goes.
02
Predict
Understand what your financial future may look like.
03
Plan
Model goals and scenarios.
04
Act
Use the information to make better financial decisions.
Product
One system for your whole financial picture.
Not a budget app. A model of your finances that you can ask questions, forecast and simulate.
Financial Forecast
See how your trajectory may develop over 7 days, 30 days, 3, 6 or 12 months — always labelled as an estimate, never a guarantee.
Money Detective
Spots recurring payments, unusual spending, price increases, duplicate-looking charges, category spikes and goals falling behind.
What If?
Explore decisions on a copy of your finances. “What happens if I spend 6,000 SEK?” — your real data never changes.
Goals
Goals connected to your real situation: progress, target, required monthly saving and projected completion.
Evolving
Digital Twin
A dynamic model of your financial life that shows how decisions may affect your future. What If runs on it today; the fuller model is part of the evolving product vision.
Why the AI is different
It doesn't guess. It calculates, then explains.
A deterministic Financial Engine works out every number from your data. The AI only puts those results into words — and an explanation that adds a number not in the calculation is thrown away.
- You
- MONEYOS AI
- Financial Engine
- Your data
- Calculations
- AI explanation
Every answer is marked as one of: based on your data, calculated, estimated, scenario, or an option to consider.
How MONEYOS AI works →Security & privacy
Your data is yours alone.
Each account's data is separated at the database level — people can only read their own financial information. Secret keys live on the server, never in the browser. No bank is connected.
Bank connection
Connected accounts, later.
MONEYOS is designed to connect accounts through a licensed Open Banking provider. This isn't available yet — today you enter numbers yourself.
Coming later
Bank → Open Banking provider → MONEYOS → Financial Engine → AI
Pricing
Free today. Plus and Pro planned.
Payments aren't active — nobody is charged.