MikaPersonal Finance Tracker
An AI finance agent that tracks expenses, monitors budgets, and surfaces spending patterns — so you always know where your money goes without maintaining a spreadsheet.
The Problem
You know you should track expenses. You don't.
Personal finance management is one of those things everyone knows is important and almost nobody does consistently. The reason isn't laziness — it's friction. Logging every expense manually is tedious. Categorizing transactions is boring. Reviewing spending patterns requires opening a spreadsheet nobody enjoys looking at. So you don't. And then you're surprised when the credit card bill arrives.
Budgeting apps try to solve this by connecting to your bank accounts and auto-categorizing transactions. They're better than spreadsheets, but they still get categories wrong, require manual corrections, and present your finances as charts and graphs that look informative but don't actually change behavior. Knowing that you spent $847 on dining last month is data. Understanding that you're on track to spend $1,200 this month because you've been eating out more since your gym closed is insight.
The gap is between data and awareness. What most people need isn't a prettier dashboard — it's something that notices patterns, flags anomalies, and tells you when your spending is drifting from your intentions. Not monthly, when the damage is done. Daily, when you can still course-correct.
Mika fills that gap. It ingests your transactions, categorizes them intelligently, monitors spending against your budgets, and proactively alerts you when patterns change. It's the financial awareness layer you always meant to build for yourself but never had time for.
How It Works
Financial awareness, not just tracking.
Lima runs on a Sonnet-class model for nuanced categorization and pattern recognition across your financial data.
Lima ingests transactions from your connected accounts or manual inputs. Each transaction is parsed for merchant, amount, date, and contextual metadata. Recurring charges are identified automatically. Duplicates are caught and flagged. The raw data becomes structured financial context.
Lima categorizes transactions using context, not just merchant names. A charge at a grocery store is "groceries" — unless it's an unusually large amount during the holidays, in which case it might be "gifts." The same restaurant might be "dining" or "business meals" depending on the day and your calendar. Lima learns your categorization preferences and applies them consistently.
Set budgets by category and Lima tracks spending against them in real time. Not end-of-month summaries — daily progress updates. "You've spent 60% of your dining budget and it's only the 15th" is more useful than "You went $200 over your dining budget" on the 31st. Lima alerts you when you're on track to exceed a budget, not after you already have.
Lima spots patterns you wouldn't notice in raw data. Subscription creep (your monthly recurring charges went up $47 in the last quarter). Seasonal shifts (you consistently spend more in November and December). Category drift (your "miscellaneous" category is growing, which usually means categorization needs updating). These insights arrive as natural-language observations, not charts.
Lima generates periodic summaries: where your money went, how spending compared to budget, what changed from the prior period, and what to watch going forward. The report is written in plain language with specific numbers — not a wall of pie charts that require interpretation.
The OS Underneath
Financial infrastructure with guardrails.
Lima runs on the same agent operating system as every Montebelle agent — with additional safeguards appropriate for financial data.
Memory Continuity
Lima maintains your complete financial context across sessions. It remembers spending patterns from three months ago, knows your seasonal variations, and tracks long-term trends. When you ask "how does this month compare to last year?", Lima has the answer because it has the full timeline in structured memory.
Verification Gates
Lima is read-only on your financial accounts — it ingests data but never initiates transactions. Categorization overrides require your confirmation. Budget alerts include the specific transactions that triggered them so you can verify accuracy. Financial data is never sent to external services or stored outside your secure environment.
Fleet Learning
Categorization improvements and pattern detection techniques discovered across the Montebelle agent fleet feed back into Lima's classification logic. When the fleet learns to better identify subscription charges, merchant name variations, or refund patterns, every finance agent benefits — without sharing any individual's financial data.
Ready to see what an agent looks like for your workflow?
Mika is one configuration of the Montebelle finance agent. Your version connects to your accounts, uses your categories, and monitors your budgets.
Let's TalkFixed price. Two to four weeks. You own the agent.