What is the AI Analysis Module?
The AI module scans your live financial data and passes it (anonymously) to an advanced Large Language Model to provide human-like, CA-grade financial analysis. It interprets patterns that basic algorithms miss.
1. AI Provider Selection
Go to Profile → AI Settings to configure the brain behind your analysis. You can choose:
- Anthropic Claude: (Default) Excellent for nuanced financial reasoning and qualitative advice. Uses `claude-opus` or `claude-sonnet`.
- OpenAI: Uses `gpt-4o` or `gpt-4-turbo`. Reliable, highly structured responses.
- Google Gemini: Uses `gemini-1.5-pro`. Fast and context-aware.
BYOK (Bring Your Own Key): For power users, you can paste your own API key for your chosen provider. Wevanta will use your key to run the analysis, meaning your queries are billed to your own API account rather than the platform's quota.
2. The Four Analysis Types
Go to the AI Analysis page. You can run four distinct types of audits:
📊 Portfolio Analysis
What it does: The AI reviews your total assets, liabilities, and asset allocation across categories.
What it tells you:
- A qualitative health score out of 100.
- Strengths and specific concerns (e.g., "High concentration risk in real estate").
- Specific rebalancing suggestions tailored to the Indian market (e.g., shifting debt to equity depending on inflation rates).
💸 Spending Analysis
What it does: The AI analyses your expenses, EMIs, and insurance premiums over the last 3 to 6 months.
What it tells you:
- Identifies your top drain categories.
- Spots anomalies (e.g., "Your utility bills spiked 40% in May").
- Provides practical cost-cutting tips per category.
- Generates a proposed ideal budget (e.g., Needs 50%, Wants 30%, Savings 20%) based on your actual income level.
🎯 Goal Feasibility Analysis
What it does: Reviews every active goal, its target amount, target date, and current progress.
What it tells you:
- Labels each goal as "On Track", "At Risk", or "Unlikely".
- Calculates the exact monthly SIP amount needed to bridge the gap.
- Suggests specific instruments (e.g., ELSS vs PPF vs FD) depending on the timeline of the goal (short-term vs long-term).
🏛️ Tax Optimisation (Section 80C/80D/80CCD)
What it does: Scans your investments in tax-exempt categories (PPF, EPF, ELSS, NPS, LIC) for the current financial year.
What it tells you:
- Calculates exactly how much of your ₹1.5L 80C limit is utilised and remaining.
- Calculates potential additional 80CCD(1B) benefits via NPS.
- Provides specific action items and precisely how much tax money you will save if you act on them before March 31.
3. Analysis History
Every AI analysis generated is permanently saved. You can browse your historical reports on the AI dashboard to see how the AI's advice — and your financial standing — evolved over the years.