AI Assistant

Sure includes a built-in AI assistant that understands your financial data. Ask questions in plain English and get instant insights about your spending, income, accounts, and investments.

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What the AI Assistant Can Do

The assistant has access to your financial data and can:

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Starting a Chat

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Create a New Chat

1. Click AI Assistant in the navigation menu
2. Click New Chat or start typing in the chat input
3. Ask your question in plain English
4. The assistant responds with data from your accounts

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Example Questions

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How It Works

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Function Calling

The AI assistant uses function calling to access your data:

1. You ask a question
2. The AI determines what data it needs
3. It calls internal functions to fetch:
   • Transactions from specific periods
   • Account balances and history
   • Investment holdings and performance
   • Budget allocations and spending
   • Income statement totals
4. The AI analyzes the data and responds in natural language

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Available Functions

The assistant can call these functions:

• GetTransactions - Retrieve transactions by date, category, account, or amount
• GetAccounts - List accounts with balances and details
• GetHoldings - Fetch investment holdings and performance
• GetBalanceSheet - Calculate net worth, assets, and liabilities
• GetIncomeStatement - Summarize income and expenses by category
• ImportBankStatement - Help you upload CSV bank statements (advanced)
• SearchFamilyFiles - Find documents you’ve uploaded (if enabled)

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AI Models

Sure supports multiple AI models:

• GPT-4 - OpenAI’s most capable model (default)
• GPT-4 Turbo - Faster responses with large context
• GPT-3.5 - Faster and cheaper for simpler questions

Select a model when starting a new chat. The default is set in your organization settings.

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Chat Features

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Conversation History

The assistant remembers context within a chat: You: “How much did I spend on groceries last month?” AI: “You spent $487 on groceries in March 2024.” You: “What about February?” AI: “In February 2024, you spent $512 on groceries. That's$25 more than March.” The AI maintains context so you can ask follow-up questions without repeating details.

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Multiple Chats

Organize conversations by topic:

• Tax Planning - Questions about deductions and income
• Budget Review - Monthly spending check-ins
• Investment Analysis - Portfolio performance tracking

Create a new chat for each topic to keep conversations organized.

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Editing Chats

Manage your chat history:

• Rename Chat - Give it a descriptive title
• Delete Chat - Remove old conversations
• Retry Message - If the AI response is unclear, retry to get a different answer

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Tips for Better Results

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Be Specific

The more specific your question, the more accurate and useful the answer.

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Use Date Ranges

Clearly state the time period:

• “Last month” = The previous calendar month
• “Last 30 days” = Rolling 30-day window from today
• “This year” = January 1 to today
• “Q1 2024” = January-March 2024

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Reference Categories

Use your actual category names:

• ✅ “Groceries” (if that’s your category name)
• ❌ “Food shopping” (unless you named it that)

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Account Names

Refer to accounts by their name in Sure:

• ✅ “Chase Checking” (if that’s how you named it)
• ❌ “My checking account” (too vague if you have multiple)

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Follow-Up Questions

Ask clarifying follow-ups:

1. “How much did I spend on dining last month?”
2. “Break that down by merchant”
3. “Which merchant was the most expensive?”

The AI uses previous answers to provide deeper insights.

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Examples

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Spending Analysis

Question: “What are my top 3 spending categories this year, and how much have I spent in each?” AI Response:

Based on your 2024 spending so far, your top 3 categories are:

1. Groceries: $2,847 (128 transactions)
2. Dining & Restaurants: $1,923 (87 transactions)
3. Transportation: $1,456 (45 transactions)

These three categories account for 62% of your total spending this year.

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Budget Check

Question: “Am I over budget on any categories this month?” AI Response:

You’re currently over budget in 2 categories for March 2024:

• Dining & Restaurants: Spent $312, budgeted$200 (56% over)
• Shopping: Spent $445, budgeted$300 (48% over)

Overall, you’re at 94% of your total monthly budget with 8 days remaining.

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Investment Query

Question: “Show me my top 5 holdings and their performance” AI Response:

Here are your top 5 holdings by market value:

1. VTSAX (Vanguard Total Stock Market): $24,350 (+$3,120 / +14.7%)
2. AAPL (Apple): $8,940 (+$1,240 / +16.1%)
3. BTC-USD (Bitcoin): $6,500 (+$2,100 / +47.7%)
4. MSFT (Microsoft): $5,670 (+$890 / +18.6%)
5. VXUS (Vanguard International Stock): $4,200 (+$340 / +8.8%)

Total portfolio value: $78,234 with +$9,821 in unrealized gains (+14.4%)

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Net Worth Trend

Question: “How has my net worth changed over the last 6 months?” AI Response:

Your net worth has grown from $42,300 (September 2023) to$51,800 (March 2024). That’s an increase of $9,500 (+22.5%) over 6 months. Monthly breakdown:

• Sep: $42,300
• Oct: $43,100 (+$800)
• Nov: $45,200 (+$2,100)
• Dec: $46,800 (+$1,600)
• Jan: $48,500 (+$1,700)
• Feb: $50,100 (+$1,600)
• Mar: $51,800 (+$1,700)

Your net worth has increased every month, averaging +$1,583/month.

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Limitations

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What the AI Can’t Do

The assistant is read-only - it analyzes your data but doesn’t modify anything.

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Data Scope

The AI only has access to:

• Data in your Sure account (transactions, accounts, budgets)
• Historical data you’ve synced or entered
• Current holdings and balances

It doesn’t have:

• Real-time market prices (uses last synced prices)
• Data from accounts not connected to Sure
• External economic data or news

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Privacy & Security

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How Your Data Is Used

When you use the AI assistant:

1. Your question is sent to the AI model (OpenAI GPT)
2. The AI determines what Sure data to fetch
3. Sure queries your database and returns results
4. The AI analyzes and responds
5. Your financial data is not stored by OpenAI - only the conversation history (questions and answers) is logged

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What’s Sent to OpenAI

• Your questions (in natural language)
• AI responses (summaries and insights)
• Function names (e.g., “GetTransactions”)
• Not sent: Raw transaction data, account numbers, or sensitive details

Only the results returned from Sure’s database (already summarized) are included in the AI context.

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Disabling the AI Assistant

If you prefer not to use AI:

1. Don’t navigate to the AI Assistant page
2. The assistant only activates when you explicitly open a chat
3. No data is sent to AI providers unless you start a conversation

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Frequently Asked Questions

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Future Capabilities

Upcoming AI features:

• Proactive Insights - The AI suggests optimizations without you asking
• Budget Recommendations - AI-powered budget adjustments based on spending patterns
• Investment Advice (disclaimer-protected) - Portfolio rebalancing suggestions
• Voice Input - Ask questions by speaking instead of typing
• Chart Generation - AI creates custom charts based on your questions

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Related Features