AI, on your terms
Auto-categorization that gets smarter, spending insights, and a second opinion before you buy, without handing over your financial life.
Three fields leave your phone. Nothing else.
Only the amount, the category, and your own note are ever sent for processing. Never the merchant name, never your location, never the raw SMS.
Categorization that learns your edge cases
Beyond merchant rules: an AI pass catches the ambiguous ones (a restaurant that’s really a work lunch, a store that sells three different kinds of things) and gets better at your specific spending over time.
A monthly summary in plain language
What changed, what’s trending up, where the month went, written out, not just charted.
“Should I buy this?”, answered honestly
A quick read on whether a purchase fits your current budget and goals before you make it, not after.
Turned off by default
It’s opt-in. You decide if and when any of this turns on, nothing is analyzed until you say so, and Raqm’s on-device parsing keeps working exactly the same either way.