See how hilm.ai compares to spreadsheets, YNAB, Mint, ChatGPT, and other finance apps.
Many people wonder if they can use ChatGPT for money management. While ChatGPT is excellent for financial education and general advice, it cannot replace a specialized AI finance assistant like hilm.ai. Here's why:
| Feature | hilm.ai | ChatGPT |
|---|---|---|
| Purpose | Specialized finance assistant | General-purpose AI |
| Expense Tracking | ✅ Automatic via text/voice/photos | ❌ Manual entry only |
| Transaction Categorization | ✅ Automatic | ❌ Not available |
| Receipt Scanning | ✅ OCR-powered | ❌ Not available |
| Voice Input | ✅ Optimized for expenses | ⚠️ Limited |
| Access to Your Financial Data | ✅ Direct access | ❌ Cannot access |
| Personalized Insights | ✅ Based on your data | ❌ Generic only |
| Real-Time Monitoring | ✅ Available | ❌ Not available |
| Natural Language Finance Queries | ✅ Optimized for finance | ✅ Good |
| Financial Education | ✅ Good | ✅ Excellent |
| Monthly Cost | $16/month | $20/month (Plus) |
ChatGPT is excellent for learning about personal finance and getting general advice, but it cannot access your financial data or automatically track expenses. hilm.ai is purpose-built for expense tracking and provides personalized insights based on your actual spending patterns. Many users find value in using both: ChatGPT for education and hilm.ai for actual money management.
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