Last updated: June 29, 2026
Stow Money uses AI to help analyze structured financial information and user-provided context.
AI may be used to:
- summarize financial posture
- suggest pay-period allocations
- estimate long-term goal timing
- explain tradeoffs and prioritization
- identify likely recurring income, bills, or debt-related patterns
- answer free-form questions you ask through the in-app Ask Stow chat about your finances, plan, debts, goals, or spending
AI output can be wrong, incomplete, inconsistent, or overly confident.
Users should understand:
- AI output is not a substitute for professional financial, legal, or tax advice
- recommendations depend on the data available to Stow Money
- missing or incorrect account data can lead to bad recommendations
- users must review recommendations before acting on them
Ask Stow (Q&A chat)
You can ask free-form questions through the in-app Ask Stow chat. Answers from Ask Stow carry the same limitations as the rest of Stow Money's output, plus a few specific to chat:
- Answers are estimates based on available data, may be incomplete or wrong, and are not a substitute for professional financial, legal, investment, or tax advice.
- Answers about balances or available cash reflect your most recent account sync, not your live balance at that moment. Transactions that posted after the last sync — including autopayments, pending debits, or same-day transfers — may not be reflected. Verify your current balance directly with your bank before moving money based on an answer.
- The assistant has a limited conversation memory. In a long conversation, something you said earlier may not be available when it answers later. Re-state any constraint that matters.
- Ask Stow has a daily question limit. When you reach it, Ask Stow switches to a documentation-only mode that answers from general Stow Money help content rather than your accounts or plan. The interface shows which mode is active. Do not rely on documentation-only answers for account-specific decisions.
Stow Money will minimize sensitive data in AI requests and will not send payment credentials or full account numbers to AI systems. Stow Money's AI features are powered by third-party AI model providers; your questions and relevant financial context are transmitted to those providers to generate responses. See the [Privacy Policy](/legal/privacy-policy) for how third-party providers are used.
Stow Money will prefer structured financial data, explicit user settings, and traceable planning state over free-form AI improvisation. AI will operate within product guardrails, not replace them.
Stow Money may use AI output to generate:
- suggested payment pacing
- debt-priority explanations
- savings and goal timelines
- short-term and long-term planning summaries
Those outputs are estimates and may change as underlying data changes or as the planning system is improved. The plan summary shown on your Plan page is AI-generated and may frame or emphasize figures imprecisely; verify balances and payment amounts against your actual accounts before acting.
Stow Money will not represent AI output as licensed professional advice, guaranteed outcomes, or official recommendations from a regulated financial institution.