What Beth, your AI assistant, can do

Beth, your AI assistant, is built on Anthropic's Claude. It's a Pro feature that reads the financial information you've entered and answers your questions about it in plain English. Beth can look things up, do the math, and walk you through the app. Beth is read-only by default; if an owner or spouse turns on Read & write, Beth can also propose changes that you confirm one card at a time.

How it works

• Beth answers using your own data. It has about 40 read tools for your income, bills, assets, debts, goals, net worth, businesses, and retirement projections, plus current US tax and contribution limits. Current ages use your account date; catch-up eligibility uses the age reached by the end of that tax year.
• It only uses numbers it looks up for you, not guesses, and shows answers in plain language with tables or charts when helpful.
• It can guide you around the app by highlighting the exact button or section on your screen with a spotlight.
• It can explain the SHTF plan, including its four levels, inherited changes, and save controls. With Read & write on, it can also propose changes to it, for owners and spouses.
• It can explain the What-if planner and read your saved scenarios. With Read & write on, it can also propose creating, changing, or deleting one, for an owner or spouse with the What-if planner permission.
• After each answer it can suggest up to three short follow-up questions, shown under Ask next inside its latest reply, that you can tap to ask next.
• Limits: 50 messages per person per UTC day and 500 characters per message. The allowance resets at midnight UTC. Messages count when processing starts, including interrupted or failed answers.
• Beth checks your household permissions before using data. It cannot access a financial area your account is not allowed to read.

What Beth can and can't do

Financial summaries, household counts and retirement projections use complete supporting records, including large lists. Income details show up to 50 matching entries with totals for that displayed subset; other active jobs still inform shared payroll limits. Upcoming payments select the nearest bills after checking the complete schedule. If a required read for these answers fails, Beth cannot complete that answer from partial data.

Beth can:

• Explain your income, bills, debts, net worth, and retirement outlook.
• Run precise calculations, like loan payoff or a debt payoff plan.
• Look up current IRS and Social Security figures for you.
• Show you where a feature lives and how to use it.
• Read and, with Read & write on, propose changes to your SHTF plan and your What-if scenarios, and list your saved retirement reports (owners and spouses).
• List your Save money (opens in a new tab) suggestions with each bill's tip type and its written tips. It can't tell which ones you hid.
• Explain the checks on Save money (opens in a new tab). That page works on any plan with bills access and does not call AI; chatting with Beth still requires Pro. The amounts are current costs, not promised savings. It cannot verify whether you use a subscription or whether a cheaper provider offer is available.

Read-only by default. Out of the box Beth can't change your data. An owner or spouse can turn on Read & write in Settings (opens in a new tab) (see How do I let Beth make changes?). With it on, Beth can propose the same changes the Beyond Payday AI connector can make:

• Add, change or delete bills, income, assets, debts and goals.
• Add, change or delete paycheck deductions. The card shows the paycheck, the amount per paycheck (in dollars or as a % of gross pay), whether it comes out before or after tax, and the linked account. An ESPP is always after tax.
• Log a contribution to a goal that isn't linked to an account or debt.
• Add or change a business (Beth asks you for its entity type, ownership split, valuation and tax rate first). Beth can't delete a business.
• Rate bills on Save money, and save your own birthday.
• Change your SHTF plan — starting numbers, a level's assumptions, or a change at a level, the same as the SHTF page itself. Beth never makes up an amount, month, tax, penalty, benefit or price; it asks you.
• Create, change, or delete a What-if scenario — anything the What-if planner page itself can do, for an owner or spouse with the What-if planner permission. Beth never invents an amount, price, rate, or account; it asks you, and the scenario stays hypothetical.

Every change is a card in the chat that shows exactly what will change, the effect on your monthly bills, take-home pay or net worth, and a Confirm button. Nothing is saved until you tap Confirm. Deletes, removing a change from your SHTF plan or a change/added item/older purchase from a What-if scenario are double-checked in chat first and need a second tap. After you tap, Beth says what happened and carries on. Most changes can be undone for 24 hours (Undo a change Beth made).

Beth can also send a support request to Beyond Payday support, with helpful context from your chat, when you need a human. It can't change permissions, family members, billing, connections or sign-in settings.

Your data and privacy

• To answer you, Beth sends your questions and the data used to reply to Anthropic, the AI provider. Under Anthropic's business terms, this data is not used to train their models.
• Please don't paste sensitive details like Social Security, card, or bank account numbers. Beth shows a gentle warning if it spots something that looks sensitive.
• Beth is for Pro members and is turned off for child accounts.

Good to know

• Finance only. Beth sticks to your finances and Beyond Payday features, and politely declines off-topic questions.
• Not advice. Answers are for information only, based on the settings and data you entered — not guarantees, and not a substitute for a professional.
• You can turn it off. In Settings (opens in a new tab), the Beth, your AI assistant toggle ("Show the AI chat button for financial guidance") shows or hides Beth.
• Ready to try it? See "Ask Beth about your finances" for how to open the chat and what to ask.