Using Gardener AI for financial advice

Gardener is Seed's AI financial strategist. It reads your own Seed data to explain it, summarise it, and help you understand what is happening in your finances.

What Gardener can do

• Explain your spending and where money is going
• Analyse your budget and forecast
• Detect recurring charges and subscriptions
• Flag spending anomalies and unusual charges
• Project debt payoff timelines
• Project short-term cash flow and runway
• Review investments and contributions
• Track savings goals
• Explain net worth and its trends
• Search transactions by meaning, not just exact words
• Search line items from scanned receipts, for example how much you have spent on coffee beans
• Search line items from invoices attached to forecast items
• Recall past Gardener conversations
• Remember durable facts you tell it, and forget them when you ask
• Explain how to use the Seed app

Questions worth asking

• Where did my money actually go last month?
• Which subscriptions am I paying for that I barely use?
• If I keep paying this much, when is this card paid off?
• Can I afford this before my next paycheck?
• What is holding my Seed Score back right now?

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