No AI
1. Your rules
If you have said that a merchant is always Groceries, that is applied first.
AI and privacy
AI that helps, with you in control.
AI makes categorising a long statement quicker. It should never be a mystery. This page explains where AI is used, what it sees and how to control it.
4AI modes, from Off to Max
3stages that need no AI before a model is asked
Optionalevery AI feature can be switched off
Your callany account can be excluded from AI
The stages
Most categorising needs no AI
SpendixAI works down this list and stops as soon as a transaction is placed.
No AI
2. Your history
A merchant you have categorised before gets the same category again.
No AI
3. Similar merchants
A close match to something you have already categorised can be suggested.
Optional
4. An AI model
Only for what is left over, and only if AI is switched on.
What is shared
What a model is sent, and what it never is
For categorisation, the model receives the least it needs to name a merchant.
Sent for categorisation
- The normalised merchant name, for example “Swiggy”, not the raw bank line.
- An amount band, for example ₹100–500, not the exact figure.
Not sent for categorisation
- Your name.
- Account numbers.
- Full statement text.
- Balances.
Modes
Four modes. You choose.
Off
No AI at all. Rules, history, imports, reports and exports all still work, and unmatched transactions are held for you to review.
Recommended
Economy
A low-cost model categorises only what your rules and history cannot.
Balanced
Adds plain-language insights and help with unfamiliar documents when you ask.
Max
AI wherever it helps, for complex documents and heavier analysis.
Documents
Reading documents is a separate case
A few optional features need to read the document you uploaded, because that is the only way to understand it. They are separate from categorisation, so you can keep one and turn off the other.
- Reading a statement in a layout SpendixAI does not recognise.
- Structuring a scanned receipt.
- A fallback for images that text extraction cannot read.
- Each one can be switched off individually.
Controls
What you can control
Feature switches
Turn individual AI features on or off.
A monthly AI budget
Set a cap, with a warning as you approach it.
Account exclusions
Exclude a sensitive account so its transactions never reach a model.
Turn it off
Switch AI off entirely. Everything else keeps working.
An audit trail
AI-related actions are recorded in the audit log.
Assistant access
Disconnect any connected assistant from the MCP connections page.
Our provider
Who processes AI requests
SpendixAI uses Anthropic’s API for its AI features. The arrangement is configured so that data sent is not kept beyond the request and is not used to train models.
If you connect Claude or ChatGPT to your workspace yourself with MCP, that assistant can read, and if you allow it, change, the data covered by the access level you approve. Start read-only. The assistant’s provider handles what it receives under its own terms.
Questions
AI questions
How are transactions categorised?
In stages. Your own rules come first, then your history and similar merchants you have already categorised, and only then, if AI is switched on, a model suggests a category for what is left.
Can I turn AI off?
Yes. You can switch individual AI features on or off, set a monthly AI budget, exclude accounts, or turn AI off entirely. With AI off, everything else keeps working and unmatched transactions are held for you to review.
What does AI see?
For categorisation, the normalised merchant name and an amount band, not your name, account numbers, full statement text or balances. Some optional features, such as reading an unfamiliar statement layout, process the content of the document you uploaded. See the AI and privacy page.
Can I create my own categories?
Yes. You can create categories and sub-categories, set a colour, and add a GST rate, ITC and tax-deductible settings and an accounting code.
Can I correct a category?
Yes, and a correction becomes part of your history so the same merchant is categorised the same way next time.
Ready to start?
Get started Use AI on your terms.
Create your account with Google and choose your AI mode.