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Any self hosted personal finance projects doing anything interesting with AI that you've found value in? (lemmy.world)

submitted 4 days ago* (last edited 3 days ago) by chazwhiz@lemmy.world to c/selfhosted@lemmy.world

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I’m not necessarily interested in the traditional full budgeting and planning type stuff, but more like “AI take all these statements and tell me how to save money” purpose built tools. Anyone used anything they’d suggest?

(And to hopefully head off any unhelpful answers like I got on Reddit, I am not trying to have an AI manage my money, nor am I talking about just a wrapper for ChatGPT. AI in the broad sense of the term that can be intelligently used as part of larger programmatic workflows.)

Edit: For anyone actually trying to understand the possible applications, I found this: https://midday.ai/updates/automatic-reconciliation-engine/. The product is overkill for the sort of personal use I was asking about, but this article does a good job of showing the why and how.

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[–] chazwhiz@lemmy.world 3 points 3 days ago* (last edited 3 days ago)

I found this which is overkill for personal use but does a good job of laying out this sort of application: https://midday.ai/updates/automatic-reconciliation-engine/

“Instead of just comparing text strings, we use 768-dimensional vector embeddings to capture the semantic meaning of transactions and receipts.

// Generate embeddings for transaction data
const transactionText = prepareTransactionText({
  name: transaction.name,
  counterpartyName: transaction.counterpartyName,
  merchantName: transaction.merchantName,
  description: transaction.description
});

const embedding = await generateEmbeddings([transactionText]);

These embeddings allow our system to understand that "AMZN MKTP" and "Amazon Marketplace Purchase" refer to the same thing, even though the text strings are completely different. The system learns patterns like:

"SQ *COFFEE SHOP" → "Square Coffee Shop Receipt"
"PAYPAL *DIGITALOCEAN" → "DigitalOcean Invoice via PayPal"
"APL*APPLE.COM" → "Apple App Store Purchase"”