Before you start
- Budget AI installed and opened.
- Premium, consent to AI processing and an internet connection.
Step by step
Open Automatic tracking
In Budget AI settings, open Automatic tracking and tap Set up. Automatic tracking requires Premium. Review the AI processing terms and allow Budget AI notifications so you can see results and errors.
Screenshot coming soonOpen Automatic tracking Allow notification access
Tap Open settings in the setup guide, enable Budget AI under Notification access, then return to the app.
Screenshot coming soonAllow notification access Choose your bank apps
Add the bank or wallet apps that notify you about payments. For each source, set payment keywords, such as Purchase or Debit, and optionally an account. Use the notification title to narrow the source further; for a messaging app, enter the title of the bank conversation exactly as shown.
Screenshot coming soonChoose your bank apps Check the connection
At Check the connection, tap Check. Budget AI sends itself a test notification and verifies that it can read it. Allow Budget AI to show notifications if requested.
Screenshot coming soonCheck the connection Allow background activity
Open the battery settings from the guide and allow Budget AI to run in the background. Depending on your phone, select Unrestricted, enable autostart or remove the app from sleeping apps.
Screenshot coming soonAllow background activity Finish and check your first payment
Tap Done. After your first payment, check the amount, category and account in Budget AI.
Screenshot coming soonFinish and check your first payment
Useful details
Works when the app is closed
Payments are processed in the background. Without a connection, they wait in the queue and processing retries when connectivity returns. Phone battery restrictions can delay background work.
You choose the sources
Only notifications matching your selected sources are processed. Keyword and title filters narrow the input; stop words help exclude sensitive messages before AI processing. Choose one source per payment to avoid duplicates.
Diagnostics in the app
Check notification access, the last source notification, the last captured payment and background-run status. Enable notifications about every run to see which payments were logged, skipped or failed.
Can I use notifications from my messaging app?
Add the messaging app as a notification source and specify the title of the conversation with your bank. Budget AI uses the notification text, not access to your SMS history. The message must actually appear in a notification with readable payment details.
Notification access is unavailable, or payments stopped arriving
If Android grays out the access switch, open Budget AI’s app info and check whether Allow restricted settings is available in the menu. Then return to notification access. If tracking stops later, check battery restrictions, background activity and autostart, and run the connection check again. Setting names vary by phone.
Video walkthrough
For now, follow the complete written steps above.