Intelligence meets Finance

With the VIP license, you receive two powerful analysis systems: A permanent guardian for your entries (Local) and three specialized experts for complex questions (Cloud).

VIP Feature (v6.0+)

Local Smart Check

The Function: Exclusive for VIP license holders, MyMicroBalance now actively interprets your numbers for you. You will find the area for intelligent analysis directly below your balance sheet.

The Technology (On-Device): The system works purely algorithmically and completely locally on your PC. No data leaves your device for this analysis.

  • Detects Outliers: Unusual entries stand out immediately.
  • Warns of Trends: Creeping cost increases become visible.
  • Monitors Budget: Keeps an eye on fixed cost ratio and coverage.

Local Smart Checks in Action

This is what the Smart Check looks like in the application.

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VIP Feature (v5.0+)

AI Finance Assistants

The Function: Three specialized assistants support you with complex tasks ("On-Demand").

The Technology (Cloud): For these in-depth analyses, we use external interfaces to provide answers to natural language questions. You decide actively via click when to consult an assistant.

  • Support: Help with technology & operation.
  • Analysis: Individual evaluation of your data.
  • Knowledge: Methods (e.g., 50/30/20) and savings goals.

The AI Assistants in Action

The dialog mode for in-depth questions.

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Three Experts for Your Household

Choose the right assistant depending on the situation.

1

MyMicroBalance Support

The Support AI chat helps you with all operational questions. It answers questions about installation, backups, and synchronization quickly and precisely – based on the official documentation. Perfect for technical help.

2

Financial Analysis Assistant

This assistant automatically creates text-based analyses. You receive a summary of your behavior, including recommendations and saving tips – based on the time period you selected.

3

Budget Book Expert

Your coach for methods and strategy. It explains concepts like the 50/30/20 rule, helps with saving goals, and analyzes spending patterns. Ideal for better structuring your own finances.

Frequently Asked Questions about AI Usage

  • Are my data used for AI training?

    No. With the local Smart Check, data never leaves your PC. With the Cloud Assistants, data is only processed temporarily for the answer but not stored permanently or used to train the AI. You can find more details in our Privacy Policy

  • Do I need a constant internet connection?

    For the local Smart Check: No. For the three AI assistants (Support, Analysis, Expert): Yes, as external servers are required to calculate the answer.

  • Are there additional costs per request?

    No. The use of the AI assistants is included in the VIP license price. You can use the assistants within the scope of the monthly provided request quota.

Get the support your finances deserve.

Budget-Starter

The first step.
Budget Planner MyMicroBalance VIP for 6 months
$3,65 Per Month calculated
You pay once $ 21.90
incl. 20 % VAT
  • Valid until July 2026
  • All VIP features PC
  • Sync with Smartphone App
  • No Subscription / No Renewal
  • VIP-E-Mail-Support
  • 30 Days Money Back
Start

Smart-Saver

Finances with a plan.
Budget Planner MyMicroBalance VIP for 12 months
$2,49 Per Month calculated
You pay once $ 29.90
incl. 20 % VAT
YOU SAVE 32%
  • Valid until January 2027
  • All VIP features PC
  • Sync with Smartphone App
  • No Subscription / No Renewal
  • VIP-E-Mail-Support
  • 30 Days Money Back
Choose Plan
Best Price

Finanz-Profi

For those aiming for financial freedom.
Budget Planner MyMicroBalance VIP for 36 months
$1,25 Per Month calculated
You pay once $ 44.90
incl. 20 % VAT
YOU SAVE 66%
  • Valid until January 2029
  • All VIP features PC
  • Sync with Smartphone App
  • No Subscription / No Renewal
  • VIP-E-Mail-Support
  • 30 Days Money Back
Become a Pro   ➔