An AI money assistant that answers with your own numbers

What you can ask

What you'd ask someone who knows your accounts. The first time you open the chat, Oslo suggests three questions: “Can I afford a new phone?”, “Where is my money going?” and “How do I pay off my debts faster?”. You can also write your own, in your own words.

If you ask whether you can afford something, Oslo compares the price with what you have left and the days until your next payday, and tells you how much it would leave you per day. It doesn't decide for you: it gives you the figures and an idea, and you choose.

If a piece of data is missing, like your income or your recent spending, it says so and suggests logging it instead of making it up. And it never suggests a new debt to pay off another one or to buy something.

What data it uses and what never leaves

To answer you, Oslo uses Google's AI (Gemini). It sends your question, what you talked about before, your first name and a summary of your money: accounts, goals, debts, bills, budgets and categories, with the names you gave them, your latest transactions (date, amount, category and account), your country and pay cycle, your streak and what you wrote in “What do you expect from Oslo?”.

It never sends your notes, the shops in your transactions, your email or your account's identifier. Something only leaves when you write to it or open your reports, which also carry a reading from Oslo; logging or checking Today sends nothing. Google processes it only to answer you and doesn't use it to train its models.

You can withdraw that permission anytime in More › Help and privacy › Data and privacy. The conversation is kept in your account so you can pick it up again, it deletes itself twelve months after the last message, and it's also deleted if you delete your account.

What Oslo doesn't do

Oslo doesn't move money: it doesn't pay, transfer or buy anything, and never says it did. It doesn't change your data either; it tells you where to do it in the app. And it only talks about your money and how to use Oslo, never about other people.

It isn't financial advice. It can explain in general what a product is, like a savings account or a term deposit, and what to compare, but it doesn't recommend an institution, a loan or an investment: the decision is yours. When the conversation turns to investing, taxes or legal matters, it reminds you it isn't a licensed advisor.

And it can be wrong, so check before you decide. If an answer doesn't help, tap the thumbs-down and tell us what to improve; if you like, you can also send us your question and that answer so we understand what went wrong.

How to turn it on

The assistant comes with the Personal plan, which also lifts the limits on accounts, goals, debts and obligations. You'll find it in the bar at the bottom, on the Oslo tab; without a plan, that tab shows you what it answers and how to get it.

With Personal you get a monthly allowance for your messages and your reports' readings: the chat shows how many messages you have left and, if they run out, Oslo tells you the day they come back. If Oslo can't answer, that message isn't counted, and retrying the same question doesn't count twice. It needs the internet: offline your message isn’t sent and you can try again, and what you log is still saved.