• RECURRING
  • PATTERNS
  • ACCOUNTS
  • HUMAN

How to analyze spending and subscriptions with your AI

Connect your accounts once. After that, your AI handles the heavy lifting of tracking every dollar and spotting hidden subscriptions.

Ask AI about this page

Short answer

How can I use AI to track my spending and subscriptions?

Your AI pulls data from your connected accounts to find recurring charges and group your spending. You get a clear view of where your money goes without manual spreadsheets. This breakdown shows you exactly how the data flows from your bank to your chat window.

The outcomes

Where your data goes

The AI processes your raw financial data into these specific results.

RECURRING

Subscription detection

The AI finds monthly or yearly bills. You'll see a list of everything hitting your account on a schedule.

PATTERNS

Spending trends

Your agent groups transactions to show where you spend most. It highlights shifts in your habits over time.

ACCOUNTS

Unified view

The AI pulls data from all your linked accounts. You get one single source of truth for your total cash flow.

HUMAN

Manual review

You decide which subscriptions to cancel or which spending habits to change. The AI provides the data, but you make the calls.

The workflow

What your AI does when the data arrives.

The AI uses specific tools to turn raw bank data into actionable insights.

  1. Gathering data

    The AI first looks at all your connected financial profiles to get the full picture.

    list_accounts

  2. Pulling history

    It fetches the individual line items from your recent activity to see exactly what happened.

    list_transactions

  3. Finding bills

    The agent scans for specific patterns that indicate a subscription or a repeating charge.

    list_recurring_expenses

  4. Summarizing

    The AI organizes these findings into a readable format you can actually use for budgeting.

    list_transactions

Try it

Copy these to start.

Use these prompts once you have connected Belvo.

Starting points

These are ideas to get you moving. Swap out the specific account names or timeframes to match your actual data.

Belvo Connector

You're all set. Choose your MCP client and follow the setup instructions.

Connector linkhttps://edge.vinkius.com/vk_preview_tbdLwCCXt5CKk2ERMA1JqkPx0QEupUeeqfutMwRu/mcp

Claude Desktop

Follow the steps below to connect in seconds.

  1. 1In Claude Desktop, open Settings → Connectors.
  2. 2Click “Add custom connector” and paste the connector link above as the remote MCP server URL.
  3. 3Click Add and start a new chat — Belvo capabilities are ready to use.
Configuration · claude_desktop_config.jsonCopy
{
  "mcpServers": {
    "belvo-mcp": {
      "url": "https://edge.vinkius.com/vk_preview_tbdLwCCXt5CKk2ERMA1JqkPx0QEupUeeqfutMwRu/mcp"
    }
  }
}
Copy into chat04

  • List all my recurring subscriptions from my Chase account.

  • Show me a summary of my spending at Starbucks over the last three months.

  • Which of my accounts has the highest amount of monthly recurring bills?

  • Find all transactions over $50 from last month and group them by category.

  • Claude
  • ChatGPT
  • Cursor
  • VS Code
  • Windsurf
  • Claude Code
  • JetBrains
  • Cline

Start here

Connect Belvo once, then ask.

Just follow the link to link your accounts. Your login credentials stay encrypted and secure on our end, and you can jump straight into your chat.

Connect Belvo to your AI

FAQ

How this task behaves

  • 01

    Can the AI move money or pay my bills?

    No. The AI can only read your transaction and account data. It cannot execute transfers or make payments.

  • 02

    Can the AI delete a subscription for me?

    No. The AI identifies the subscription, but you must log in to the service itself to cancel it.

  • 03

    Does the AI see my full account numbers?

    No. The AI only accesses the transaction and account data permitted by the Belvo connection.

  • 04

    How often does the data update?

    The AI pulls the most recent data available through the tools whenever you ask it a question.

  • 05

    Can I use this with any AI client?

    Yes, as long as your client is MCP-compatible, like Claude, Cursor, or Windsurf.

  • More questions about Belvo? The Connector page answers them. See everything the Belvo Connector can do

Connect Belvo to Claude, Cursor, ChatGPT & more