Spending Optimization Engine

AI tracks your habits and suggests smarter decisions.

The engine behind Spendler constantly monitors your:

• Income vs. spending trends

• Weekly/monthly category breakdown

• Overlaps, inefficiencies, or spending spikes

• Missed discounts or high-fee behaviors

Based on this, the AI provides insights like:

• “Switch to card for this bill to save fees.”

• “Try paying with loyalty points here.”

• “This merchant offers 10% SPDL cashback.”

The goal: spend less, earn more, stress never.