Plan Your Spending with AI in Moneko

AI Scenario Planning helps you decide what to do next with your money.

Instead of only showing what you already spent, it helps you explore future decisions. You can use it to ask questions like:

• Can I buy an iPhone before May 2026?
• Can we afford a trip next year?
• Should I upgrade my laptop this year?

This feature works like a financial sandbox, helping you test decisions before making them.

Note: AI Scenario Planning is currently in beta. You may see limited formats or responses while the feature continues improving.

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What You Can Ask

AI Scenario Planning is designed for future money questions. A useful format is: “Can I … before [date]?”

Example: “Can I buy an iPhone before May 2026?”

Expected Result

Moneko analyzes your scenario and gives you context to help understand whether the decision looks realistic.

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How to Use AI Scenario Planning

To use the feature:

1. Open the AI Scenario Planning feature.
2. Enter a question starting with: “Can I … before [date]?”
3. Submit your question to get an analysis.

Expected Result

Moneko reviews your question and returns an analysis based on your actual money data.

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How AI Scenario Planning Works

Moneko uses your actual data to evaluate the scenario. This can include:

• current balance
• average monthly surplus
• recurring income and expenses
• budget allocations
• cash flow trends

By using your own data, Moneko can give more relevant context than a generic budgeting answer.

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What You Will See

For each scenario, Moneko provides:

• a clear verdict
• the reasoning behind it
• what the decision impacts
• what needs to change if the scenario is not realistic

You get context, not just a simple yes or no.

Example Outcome

If a purchase does not look realistic by your target date, Moneko can help explain what would need to change, such as your timeline, spending, savings, or cash flow.

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When to Use AI Scenario Planning

Use AI Scenario Planning when you want to explore different money decisions before acting. It can help you:

• compare timelines for a purchase
• decide between spending and saving
• plan shared goals in a Space
• test unexpected expenses

This makes it useful for both personal and shared financial planning.

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Troubleshooting Common Issues

My Question Did Not Work Well

Try using a clearer format. Questions that include a goal and a date (e.g., "Can I buy an iPhone before May 2026?") are easier to analyze.

The Answer Is Not What I Expected

Moneko evaluates the scenario using your actual data. If the result looks different than expected, check whether your data (Wallets, Pockets, Recurring) is up to date.

I Want to Plan a Shared Goal

Use AI Scenario Planning inside the relevant shared Space. This helps the scenario reflect the data connected to that group context.