AI that actually understands your weird merchant names
Three AI engines (Claude, GPT-4o, DeepSeek) auto-categorize every transaction with 99% accuracy — and learn from every correction you make.
Three engines, picked per transaction
Most apps use one model. WIMM routes each transaction to the best-fit engine: Claude for nuanced merchant names, GPT-4o for the long tail, DeepSeek as a cost-efficient fallback. You always have a backup if one provider is down.
Learns from your corrections
Every time you re-categorize, WIMM stores a merchant alias so future transactions from that merchant skip the AI entirely. Over time the AI is only invoked for genuinely new merchants.
Bulk review wizard
When you import months of history, a 4-step wizard walks you through AI suggestions in batches. Approve, override, or skip — your call.
- • See confidence scores per transaction.
- • Bulk-approve by merchant or category.
- • Edit categories inline before committing.
- • Audit log shows which engine made which suggestion.
Frequently asked questions
Does WIMM send my data to OpenAI/Anthropic?
Only the merchant name and amount go to the AI, never your bank credentials or full transaction context. AI providers are configured with zero-data-retention where supported.
What if I disagree with a category?
Click to override. WIMM remembers your choice for future transactions from that merchant via merchant aliases.
Can I turn AI categorization off?
Yes — manual-only mode is fully supported. AI is opt-in and gated to the Premium tier.
How much does the AI cost WIMM per user?
Pennies per month for typical usage thanks to caching and merchant aliases. Premium pricing covers it comfortably.
Try AI Transaction Categorization today
The demo includes this feature with realistic data. No signup required.