AI Financial Advisor
That Knows Your Money
Not generic advice. Exflo AI reads 3 months of your transactions then gives advice that's truly relevant — in your language.
How AI Advisor Works
Three simple steps, one perfectly targeted piece of advice.
3-Month Analysis
AI reads all your last 3 months of transactions — spending, income, and hidden consumption patterns.
Multi-AI Round-Robin
Requests are processed by Gemini, Groq, or Mistral in rotation. If one goes down, another takes over — zero downtime.
Bilingual Personal Advice
You receive relevant financial advice in Indonesian or English, tailored exactly to your financial situation.
Financial Health Score 0–100
Four equally-weighted components form a complete picture of your financial health.
Example score — yours can be higher!
Savings Rate
What percentage of your income you successfully save each month.
Budget Compliance
How disciplined you are in following the budget you have set per category.
Expense Stability
How consistent your spending is — without large unexpected spikes from month to month.
Goal Progress
How quickly you are approaching the savings goals you set in Exflo.
Financial Health Grades
Know exactly where you stand and what to do next.
Your finances are in top shape. Keep it up and level up!
There are a few areas to improve, but the fundamentals are already solid.
Time to make real changes. The AI will show you exactly where to start.
Critical situation. Follow the AI advice immediately to turn things around.
Triple AI, Zero Downtime
Three best AI models work in round-robin. One model down? The other two take over immediately without you noticing.
Gemini
Google's latest model — powerful in numerical analysis and long context.
Groq
Fastest inference in its class — advice appears in seconds.
Mistral
A precise and efficient European model — the right choice for financial context.
More Exflo Features
AI Advisor is just one of many Exflo's powerful features.
Know your financial health score now
Free. No credit card needed. Just connect on WhatsApp or Telegram and start.