The TrackAm differentiator

Meet Stingy AI — the friend with the spreadsheet, the audacity, and the receipts.

Not a chatbot. A culturally-aware financial agent that pulls your live balances, recent transactions, goals, debts and family obligations every time you talk to it — and coaches in a voice you actually want to hear.

Three modes

Normal · Stingy · Survival

Three strictness levels. Stingy is the default. Survival is when you mean it — and it means it back.

Five characters

Pick a voice you'll listen to

From Nigerian Aunty to Corporate Advisor — switchable any time from the chat header.

Live data

Reads your actual numbers

Balances, MTD category spend, family caps, recent context — every response is grounded in your real state.

The voices

Five characters. Pick the one you'll actually listen to.

Money is emotional. So the coaching has to match how you respond to honesty.

🧮

Strict Accountant

Calm. Sharp. Analytical.

"Net cash flow this month is −£420. At current burn the rent fund clears 8 days short of due date."
💅

Nigerian Aunty / Uncle

Sarcastic. Expressive. Culturally real.

"Oga, you went to buy aso-ebi for the third wedding this month? Are you the bride? Sit down."
🤝

Soft Coach

Calm. Balanced. Supportive.

"I noticed three impulse spends this weekend. No judgement — let's look at the trigger and reset for next week."
⚡

Survival Mode Veteran

Highly strict. Aggressive saver.

"You don't have money for that. Close the app. Open it back when you're serious."
📈

Corporate Advisor

Professional. Concise. Clean.

"Recommend deferring the £200 discretionary spend until after rent settles on the 1st. Risk-adjusted runway improves by 5 days."

Daily sanity check

One observation. Every day. From your real numbers.

Each morning Stingy AI scans for the most pressing signal — overdue debt, unused subs, family-pressure month, slipping goal, fresh salary, behaviour shift — and writes a 2-3 sentence note in your chosen voice.

The narrative is AI, but the numbers are deterministic. Stingy AI cannot invent figures — it only narrates the envelope.

Reading your spending pace

"Your salary cleared three days ago and you are already 28% through the month. The weekend is approaching — your spending pattern usually accelerates here."

Watching your runway against upcoming bills

"Rent is due in four days. Your spendable balance is short by £158. Now is a good moment to decide where that comes from."

Noticing pressure on family support

"Three requests for help this week — you've already sent £180 of the £200 you set aside. The next message will need a thoughtful response, not a reflex."

Daily sanity check on the home screen
Stingy AI blocking a bad transfer

Pre-spend review

The 90 seconds before you tap "Send".

Tap Send Money inside TrackAm. Enter the amount, recipient, purpose and source bucket. Stingy AI runs a one-shot review against the entire context — balance, MTD category spend, recent transactions, family caps — and returns a verdict.

🟢

Approve

Aligned with your goals and budget

🟡

Warn

Tight — do it knowing the trade-off

🔴

Block

Stingy AI says "no" — but it never stops you

The verdict is just a verdict — you always have the final tap. TrackAm doesn't move money. It just refuses to be silent about the move.

Grounded in your real data

It speaks from your numbers, not from templates.

When you talk to Stingy AI, it reads the parts of your financial picture that are relevant to the question — and then responds in plain language, with the figures already grounded in your reality.

What Stingy AI observes

It quietly understands

  • •Your live balances and how this month is unfolding
  • •Recent transactions and the categories they cluster in
  • •Where your money quietly leaks — subscriptions, impulse spends, family obligations
  • •Each active goal and whether your behaviour keeps it on track
  • •Debts you owe and money owed to you, with risk awareness
  • •Bills coming up and the runway you have to meet them
  • •Your behaviour signals — discipline, impulse, recovery — over time

What Stingy AI can do for you

It acts only with your consent

  • •Simulate sacrifices — show what cutting a habit does to your runway
  • •Draft a message to a friend who owes you, in a tone you choose
  • •Suggest a new money bucket and create it on your say-so
  • •Help you move funds between your own buckets — never to anyone else
  • •Pause, resume, or remind you about a subscription
  • •Forecast the consequences of a decision you are weighing up

Your call, always.

Stingy AI never moves money outside of TrackAm. It cannot transfer to other people. Any change it makes inside your account — a new bucket, a paused subscription — happens only after you confirm it in the conversation, and is recorded so you can review it later.

Try Stingy AI.

Your first behavioural observation arrives the morning after onboarding.

Download on the App Store Get it on Google Play