accrue_interest
ChatGPTCalculates and saves interest on all deposit and savings accounts up to today. Periods already posted are never duplicated, so repeated calls are safe. Use preview_interest to see the amounts without saving.
Overview
Smart Money Tracker is a personal finance tracker you can use right from ChatGPT. Log income and expenses in plain language ("$12 for lunch today from cash"), ask how much you spent on a category this month, check balances across cash, card, savings, deposit and credit accounts in several currencies, and see how you are doing against weekly, monthly or yearly budgets. You can also paste bank push notifications to record them as transactions without duplicates, post interest on savings deposits, and manage your categories, tags and budgets. Smart Money Tracker only reads and writes your own Smart Money Tracker ledger. It never moves money, never connects to your bank and gives no investment advice. Tools that change or delete data are marked so ChatGPT asks for your confirmation first. Requires a Smart Money Tracker account at smart-money.ink.
Tools
add_transaction
ChatGPTSaves a transaction with exactly specified fields, for cases where phrase parsing does not fit. Account and category IDs come from list_accounts and list_categories.
create_account
ChatGPTCreates an account: cash, a card, a bank account, an interest-bearing deposit or savings account, a credit card, an investment account or an e-wallet.
create_budget
ChatGPTCreates a spending limit for a week, month or year, in the base currency. Without categoryIds it covers all expenses; a group category includes its subcategories. Category IDs come from list_categories.
create_category
ChatGPTCreates a top-level expense or income category.
create_tag
ChatGPTCreates a tag — a label that marks transactions across categories, such as "trip" or "work". If a deleted tag has the same name, it is restored instead.
delete_account
ChatGPTDeletes an account that has no transactions. An account with history cannot be deleted — archive it with update_account (archived: true) or delete its transactions first. Account IDs come from list_accounts.
delete_budget
ChatGPTDeletes a budget. Transactions are not affected. Budget IDs come from list_budgets.
delete_category
ChatGPTDeletes a category that no transaction uses and that has no subcategories. Transactions can first be moved to another category with update_transaction. System categories cannot be deleted. Category IDs come from list_categories.
delete_tag
ChatGPTDeletes a tag: it can no longer be chosen, but stays on the transactions that already have it, so past reports do not change. Tag IDs come from list_tags.
delete_transaction
ChatGPTDeletes a transaction, removing it from balances and reports on all devices. Transaction IDs come from list_transactions.
import_notifications
ChatGPTParses the text of bank push notifications and saves the recognised transactions. The account is matched by the last 4 card digits or by bank name; notifications already imported are skipped. Use preview_notifications to see the parse without saving.
list_accounts
ChatGPTShows all accounts with their current balances, including deposits with their interest rates. Archived accounts are listed separately.
list_budgets
ChatGPTShows budgets with their limits, what has been spent in the current period, what remains and the projected spending by the end of the period.
list_categories
ChatGPTLists active categories with their IDs, for use in add_transaction and in filters. Categories that belong to a group are indented under it.
list_tags
ChatGPTLists tags with their IDs and how many transactions use each, for use in add_transaction, update_transaction and list_transactions filters. Deleted tags are listed separately.
list_transactions
ChatGPTReturns transactions for a period, optionally filtered by type, account, category and a text search over description and merchant.
preview_entry
ChatGPTShows how a natural-language phrase would be recorded by quick_add, without saving anything. Understands amounts ("12k", "1,2 млн"), dates ("yesterday", «вчера»), account names, #tags and currencies, in English and Russian. A #tag that does not exist yet would be created.
preview_interest
ChatGPTShows the interest accrue_interest would post on deposit and savings accounts up to today, without saving anything.
preview_notifications
ChatGPTParses the text of bank push notifications (Kaspi, Halyk, Jusan, Freedom, Forte, BCC and others, usually in Russian) and shows the transactions import_notifications would create, without saving anything.
quick_add
ChatGPTParses a natural-language phrase and saves it as a transaction. Examples: "taxi 4500 yesterday kaspi", "groceries 12k", "received salary 850000", "transfer 50000 from Kaspi to Cash", «такси 4500 вчера каспи», "dinner 9000 #trip". A #tag that does not exist yet is created. Use preview_entry to see the parse without saving.
summary
ChatGPTIncome, expenses, net savings, a spending breakdown by category and the most frequent merchants for a period.
update_account
ChatGPTChanges an existing account. Only the fields passed are changed; institution, last4, note and creditLimit can be cleared with null. archived: true hides the account while keeping its history. annualRatePercent turns the account into an interest-bearing one, null removes the interest terms. Currency can be changed only while the account has no transactions. Account IDs come from list_accounts.
update_budget
ChatGPTChanges an existing budget. Only the fields passed are changed; categoryIds replaces the list, and an empty list makes the budget cover all expenses. Budget IDs come from list_budgets.
update_category
ChatGPTRenames a category or changes its icon or colour; icon and color can be cleared with null. Built-in system categories such as Transfer cannot be changed. Category IDs come from list_categories.
update_tag
ChatGPTRenames a tag or changes its colour; color can be cleared with null. Tag IDs come from list_tags.
update_transaction
ChatGPTChanges an existing transaction. Only the fields passed are changed; categoryId, merchant and note can be cleared with null, and tagIds replaces all tags. Transaction IDs come from list_transactions. Moving a transaction to an account in another currency requires the amount in that currency.
Capabilities
Writes
Example Prompts
Click any prompt to copy it.
