Why AI financial analysis?
4W1H structures your financial data using double-entry bookkeeping. Feed this organized data to ChatGPT, Claude, Gemini, or any AI, and it becomes your personal financial coach.
Unlike raw expense data, double-entry data includes:
- Precise asset and liability flows
- Systematic category classifications
- Inter-account transfer records
This comprehensive data enables AI to provide much deeper analysis.
How to export your data
- Go to Settings.
- Choose JSON or CSV under Data Export.
- The file downloads to your device.
The JSON format includes structured accounts, account groups, categories, and all transactions.
Ask AI to analyze your data
Upload the exported file to ChatGPT, Claude, Gemini, or any AI and try asking:
- "Analyze my spending patterns this month"
- "Identify any unnecessary expenses"
- "Help me plan next month's budget"
- "Break down my spending by category"
- "How does this month compare to the last 3 months?"
- "Analyze my net worth trends"
Your privacy is protected
All 4W1H data is protected with E2EE (end-to-end encryption). Whether to export and which AI to use is entirely your choice.
- 4W1H servers only store encrypted data — even operators can't see it
- Export decrypts on your device, then downloads
- AI analysis only happens when you choose to upload
4W1H records. AI analyzes. You're always in control of your data.