What a connected assistant can do depends on the access level you approved. A Read-only connection can look at your Beyond Payday data and change nothing. A Read & write connection can also add, edit, and delete individual records. Either way, it never reaches more than your own Beyond Payday account can see.
How it works
The assistant talks to Beyond Payday through a fixed set of tools. It can only do what a tool allows.
Read tools (every connection):
- Your overview and money in and out
- Bills, income and paycheck deductions, assets, debts (including student-loan details), and goals
- Investment holdings, stock grants, and insurance policy details (never a policy's beneficiary note), plus an insurance coverage check
- Household tax facts
- A Social Security claiming-age comparison
- Businesses, business expenses, and a business summary
- What-if plans (scenarios) — needs What-if planner access
- Net worth history
- Your SHTF plan
- Save money tips
- Your profile
Write tools (Read & write connections only):
- Add, edit, and delete bills, income sources, assets, and debts (including insurance policy details and student-loan details)
- Add, edit, and delete investment holdings and stock grants
- Change your household tax facts
- Add, edit, and delete paycheck deductions (a work insurance premium or an ESPP contribution is linked to its policy or stock asset)
- Add, edit, and delete goals, and log a contribution to a goal
- Add and edit businesses
- Change your SHTF plan — anything the SHTF page itself can change
- Create, change, or delete a What-if scenario — anything the What-if planner page itself can do
Every call runs through the same permission checks as the app, so a family member with limited access stays limited. Money in and out, the SHTF plan, Save money tips, and the What-if planner each need their own permission too.
Child accounts can't connect an AI assistant. Connecting one is for the account owner and their spouse.
Business rules the assistant follows
- Businesses: the assistant is told to ask which business you mean before writing to one, and to ask you for key details (entity type, ownership split, valuation method, tax rate) rather than guess them when creating one.
- Linked goals: a goal linked to a savings account or debt follows that record's balance. Progress is updated by editing the account, not by logging a contribution.
- Snapshots: every result says when it was produced. It is a snapshot, not a live feed.
- Estimates: financial results carry a note that figures are estimates from your own data, not advice.
- SHTF plan: the assistant is told to ask for amounts, months, taxes, penalties (retirement, HSA, 529 and annuity withdrawals), benefit amounts and prices rather than guess them. A sale's price and loan payoff start from your recorded value and linked debts. A vehicle or other sale also starts with its own loan's payment bill marked as stopping; for a home sale nothing starts selected, so the assistant asks which bills stop. Every other figure (net cash, a tax estimate from a rate) is computed by Beyond Payday's own rules, the same as the SHTF page. A change it adds is ticked at that level and every tougher one, and shows unticked in the milder ones. The plan stays hypothetical — nothing in your bills, accounts, or assets is cancelled, sold, or changed. The assistant can read the plan but doesn't work out which step covers you: the SHTF page's verdict and Covered here marker show that.
- What-if scenarios: the assistant is told to ask for any amount, price, rate, or account you didn't give it — only the What-if planner page's own pre-fills are used as defaults. A scenario stays hypothetical: nothing in your real income, bills, assets, or debts is touched.
Assumptions and limits
These are left out of the connector on purpose and stay app-only:
- Importing data (spreadsheets, statements)
- Bulk edit or bulk delete
- Deleting a business
- Deleting your household tax facts, and a policy's beneficiary note
- Connections, including managing AI connections themselves
- Support access grants
- Sign-in, email, password, two-factor, passkeys, billing, and account deletion
The connector also has a rate limit, so a runaway assistant can't hammer your account.
FAQ
Can a connected assistant delete my data? Only on a Read & write connection, and only single bills, income sources, paycheck deductions, assets, investment holdings, stock grants, debts, goals, or What-if scenarios. It cannot bulk-delete, import, delete a business, or delete your household tax facts.
Can it change my password, billing, or account settings? No. Sign-in, email, password, two-factor, passkeys, billing, and account deletion are not reachable through a connector.
Are the numbers it reads live? Each tool call reads your data at that moment and says when it was produced. If you change something in the app afterward, the assistant needs to ask again to see it.
FAQ
Can a connected assistant delete my data?
Only on a Read & write connection, and only single bills, income sources, paycheck deductions, assets, investment holdings, stock grants, debts, goals, or What-if scenarios. It cannot bulk-delete, import, delete a business, or delete your household tax facts.
Can it change my password, billing, or account settings?
No. Sign-in, email, password, two-factor, passkeys, billing, and account deletion are not reachable through a connector.
Are the numbers it reads live?
Each tool call reads your data at that moment and says when it was produced. If you change something in the app afterward, the assistant needs to ask again to see it.