Personal Finance AI Robot Skill Packs

Build and track a monthly household or personal budget using the 50/30/20 rule or custom allocations. AI identifies spending leaks and suggests adjustments.

Organise and prioritise debt repayment using avalanche (highest interest first) or snowball (smallest balance first) strategies. AI calculates interest saved and time-to-debt-free.

Analyse the diversification, risk profile, and performance of your investment portfolio. AI suggests rebalancing actions and identifies concentration risk.

Estimate income tax, capital gains tax, and dividend tax liability for individuals and sole traders in the UK, Armenia, and Ghana. Includes allowance optimisation suggestions.

Systematic review of personal and family insurance needs across life, health, income protection, critical illness, home, and travel. AI identifies coverage gaps and over-insurance.

Model retirement income scenarios across different contribution levels, investment returns, and retirement ages. Calculates the savings gap and required contribution increase.

Analyse factors affecting your credit score and generate a personalised improvement plan. Tracks progress and alerts you to actions that will improve your score fastest.

Track exchange rates for 50+ currency pairs, set rate alerts, compare money transfer services by cost, and calculate the true cost of international payments.