AI nudges
FinNudge runs five background agents that watch your money and surface short, specific messages on your Dashboard and Nudges page. No generic “you spent $X on coffee”. Every nudge points at something you can review.
The agents
| Agent | Cadence | What it watches |
|---|---|---|
| Spending Patrol | Daily | Watches month-to-date spend vs. your budget caps and nudges when a category crosses 80% with days left in the month. |
| Anomaly Detector | Every 6 hours | Flags transactions that are 2× your typical spend for that category or merchant, or that come from a merchant you’ve never paid before and is >$100. |
| Sync Health | Every 6 hours | Detects stale or broken bank connections and nudges you to reconnect before the gap gets wider. |
| Subscription Watchdog | Weekly (Mondays) | Audits your recurring charges for price hikes, duplicate subscriptions, and services you haven’t used in 60+ days. |
| Savings Coach | Weekly (Sundays) | Reviews your week: categories where you saved vs. overspent, a projected month-end number, and one concrete suggestion to close the gap. |
How a nudge is generated
- A scheduled cron fires the agent (see cadence above).
- The agent pulls the relevant slice of your data (transactions, budgets, recurring charges, balances).
- A deterministic rule engine decides whether the condition applies. Only if it does, an LLM drafts a short, personalised message.
- The drafted text passes through FinNudge's output safety guard before being saved.
- The nudge is deduplicated against recent nudges so you don't see the same alert twice.
- It's posted to your feed, and if you opted in, emailed.
Reviewing and dismissing nudges
Every nudge has two buttons: Review (jump to the relevant page: the transaction, the bill, the budget row) and Dismiss(hide it without marking it done). Dismissed nudges don't generate duplicates for the same condition within a cooldown window.
Turning nudges off
Global toggle at Settings → General → Notifications → Enable nudges. You can also turn off all AI processing entirely at Settings → General → AI & Privacy; with that off, no agent will send your data to an external AI provider.
Privacy of AI processing
Agents run inside our infrastructure. Draft text sent to the LLM contains only the numbers needed for the specific nudge (amounts, category, a merchant label), never your full transaction history, never your bank credentials. See the full Privacy Policy.