You write a message and artificial intelligence sorts your expenses in seconds: how to see where your money is going

These powerful tools are not intended to replace banks or financial advisorsbut rather provide the user with something closer. This ranges from creating budgets, detecting unnecessary expenses, and simulating financial decisions.

“Artificial intelligence is already changing the way we invest and we manage money all over the world,” he explained to Clarion Federico Palmisano, founder and CFO of the fintech YONT. “In Argentina, we are still taking the first steps, but the opportunity is enormous,” he added.

The most visible change is not in large investment funds, but in the everyday life. In practice, these platforms work best as assistants for everyday financial tasks. low or medium complexity. They are used to organize expenses, summarize movements, create budgets, compare consumption habits or detect imbalances that are repeated month after month.

For example, a user can type: “I have these monthly income and expenses (detailed below). Organize them into categories and tell me where I can cut without affecting the essentials”. In seconds, AI returns a structure that allows you to see clearly What is the money going towards?.

It is also useful for specific objectives. When writing a prompt (instruction) like “I want to save 1,000,000 pesos in 6 months. I have these income and expenses. How much should I save per month and what adjustments do you suggest?” the AIs respond with recommendations for lower an abstract goal to a concrete plan.

Even for those without financial experience, these tools work as translators: When in doubt, you can ask directly: “Explain to me what inflation is as if I didn’t know anything and how it affects my savings in Argentina”. According to specialists, the key is to convert dispersed data into possible decisions.

Another function that is gaining ground is the possibility of analyze scenarios before making decisions. With simple instructions, you can compare alternatives or understand basic risks.

In this regard, Sebastián Ramacciotti, Managing Director EPAM SYSTEMS of Argentina, explains: “They can help organize expenses, summarize movements, explain financial concepts in simple language, put together budgets, compare consumption habits and detect recurring imbalances.”

A typical example is: “If I invest X amount with an estimated inflation of X% per year, do I lose or gain purchasing power?”. Or even: “Compare fixed term vs. another conservative option with this economic context.”

These types of queries They do not replace a professional analysisbut they allow you to arrive better prepared for any decision.

As users begin to use artificial intelligence to organize their money, the financial system It also incorporates it into key processes. In Argentina, the growth of digital wallets It is sustained: by 2025, a 13% increase in users was projected, with an average of two wallets per person.

In this ecosystem, generative AI plays an increasingly relevant role. Every time you call for analyze large volumes of data in real time they can detect fraud patterns, improve payment validation and reduce transaction errors. It also facilitates the personalization of services, adapting the experience to the habits of each user.

Despite the enthusiasm, these tools have clear restrictions. They do not guarantee results nor do they replace human judgment.. Nor do they operate directly in the market or access real-time information autonomously.

Furthermore, they can oversimplify certain analyzes or even make mistakes, so their most recommended use is as a complement and not as the only source of decision.

It must be kept in mind that ChatGPT, Gemini and Claude do not magically solve economic problems, but they do modify how people bond with their money.

He more effective use appears when it works like co-pilot. “It is useful for organizing information, detecting patterns, comparing simple scenarios and making the daily relationship with money clearer,” Ramacciotti noted.

But there is a clear limit on sensitive decisions. “It is not advisable to trust blindly when there are relevant material consequences, such as investments, debt or tax issues,” he warns.

They don’t make money on their own. But in a complex economic context, like Argentina’s, where every decision matters, AI can make a concrete difference.