AI assistant in the app

The in-app assistant is a chat that can read your data through the same tools as the MCP connection and, when you ask, add records. It is available on every plan and is charged from a monthly AI budget.

Which model answers

• By default the assistant runs on Anthropic’s Claude with Assetli’s own API key, paid from your monthly AI budget.
• On Premium and Max you can enter your own API key for Anthropic, OpenAI or Google Gemini. Your key is used only when the Assetli budget is exhausted, and calls through your key are not charged by Assetli. The key is stored encrypted.

What the assistant receives

Every chat request sends the model your message, the conversation so far, and a financial snapshot of the active profile (balances, recent spending, holdings, budgets and similar aggregates, cached for a few minutes). The model can then call any of the 63 tools listed in MCP tools. Tool results are returned to the model as JSON.

The provider that runs the model therefore sees the data the tools return. With the default setup that is Anthropic under its API terms; with your own key it is the provider you chose.

Writes from the chat

Write tools (add a transaction, a trade, a utility reading, a valuable; update a budget or a valuable; import a statement; create, edit or apply a categorization rule; pair a transfer; move money between savings envelopes; confirm an account balance) have a preview counterpart that returns what would be written. The tool description instructs the model to show the preview and ask you before writing, and the server refuses a write that does not carry the preview’s token for the same values. Whether you were asked is up to the model; see Security and data flow.

Writing from the in-app chat works on every plan, including Free; the limits of your plan still apply (for example the number of custom categorization rules). Writing through the MCP connection from Claude, ChatGPT or Gemini is different: it requires Premium or Max.

Budget and quotas

All AI features are paid from one monthly budget:

	Free	Premium	Max
Monthly AI budget (all AI features)	£0.35	£2.60	£6.90

Actual token usage is charged; there is no message or operation counter. The budget renews one month after you registered (after paying for a subscription, one month from the payment date) and can be topped up with a one-time purchase. Lifetime licences receive a one-time credit instead of a renewing budget. Details in Plans and credits.

What is stored

Conversations from the in-app chat are saved to your profile so you can return to them; you can delete them. This is different from the MCP connection, where the conversation lives in your AI client and Assetli receives only tool calls.

Other AI features

• Weekly AI review of your finances, shown on the dashboard and in Analytics.
• AI categorisation of imported transactions (optional, off by default).
• On import: a suggested column mapping (the AI sees only the header and a few rows) and transcription of a scanned statement, only after your explicit confirmation, see Statement formats.
• Valuables: reading an order text when you add an item.
• Explain layer: glossary definitions for terms on dashboard pages, and the explain_term tool for the assistant.
• Vacation planner suggestions and the property check assessment.