The beginning of the year is usually one of the most complicated periods for the personal economy. At accumulated debts After December’s purchases, there is an increase in the prices of products and services, as well as the ease with which payments are made online today, subscriptions are contracted or so-called payments are allowed to grow. ant expenses.
In this context, the artificial intelligence begins to position itself as an ally to strengthen financial planning and better manage income in 2026, as long as its use is combined with financial education and responsible habits
Artificial intelligence as an ally of personal finances
According to an article published in the January 2026 edition From the Profeco Consumer Magazine, financial applications that integrate artificial intelligence allow you to interact with money in a more visual, practical and personalized way. These tools help provide a clearer view of spending habits and make it easier to make informed decisions about spending, saving, and debt.
His use is not limited to people who are experts in finance, since many platforms are designed to accompany users step by step in the daily management of their money.
What can AI be used for in money management?
Artificial intelligence can support different key tasks to improve personal financial health. Among the main ones are the creation of smart budgets, the automatic classification of expenses, the scheduling of payment dates and the generation of alerts when excessive expenses are detected in any category.
In addition, it allows you to suggest realistic savings goals and prioritize urgent commitments, such as debt settlement, which is especially useful during the call “January cost”.
Virtual assistants to plan, save and pay debts
Another advantage of use of AI in personal finances is the possibility of using virtual assistants that function as accessible guides. These assistants can resolve doubts, simulate financial scenarios and accompany people in organizing their salary, savings or paying debts.
For example:
To obtain better results, it is essential to know how to correctly communicate what is needed through clear instructionsknown as prompts. For example, you can ask for help to create a balanced monthly budget, establish a savings plan with weekly goals, or design a strategy to pay off debt considering income and interest rates.
Practical examples of how to use AI for your finances
Among the most common uses of artificial intelligence They highlight the organization of the monthly salary, the design of savings plans with realistic goals and the development of payment schemes for debts. It is even possible to request that financial information be delivered in practical formats, such as Excel documents, to have more orderly control.
These functions allow you to better visualize the destination of the money and make decisions with greater clarity.
Security and habits: keys to using AI responsibly
The use of artificial intelligence to manage personal finances must be accompanied by security measures. It is important not to share passwords, account numbers, verification codes or sensitive personal information, as well as only use trusted applications, review their privacy policies and activate two-step verification.
Specialists warn that AI does not replace financial education, but rather complements it. Good money management also depends on the will, commitment and adoption of good habits to cover expenses, pay off debts, generate savings and reserve space for recreation.
Combining technological innovation with responsible financial habits may be the key to achieving stability and economic well-being throughout 2026.
