AI Finance Check for Families & Households

What this package is

An AI-supported financial analysis tool, based on real PSD2 banking connectivity and local transaction analysis with Claude or Llama.

What this package explicitly is not

Legal notice: This service is an analysis and visualization tool. It is not investment advice per § 32 KWG (German Banking Act) and not insurance advice per § 34d GewO. We do not make specific buy, switch or sign-up recommendations — the tool shows data and raises questions that you answer with your professional advisors.

Four use scenarios

🌟 Scenario A — Family & household finance assistant (flagship)

You are a family, couple or household wanting finally a clear view over shared expenses — without uploading your account data to commercial US-cloud apps.

What it concretely does:

• Combine multiple accounts from multiple banks per household (PSD2) — salary account + joint account + savings.
• Personal view: each person sees their own accounts; shared accounts are clearly marked.
• AI subscription audit: “show me all subscriptions we haven’t actively used in 6 months, sorted by cost.” Three Netflix subs? Forgotten gym membership?
• Bill check via chat: “is my electricity tariff above market average?” — system shows data and links comparison portals. (No specific switch recommendation.)
• Insurance overview: recurring insurance payments automatically detected and listed.
• Family budget goals with push notifications when limits are exceeded.
• All on your own server in Germany — no consent upload to Meta/OpenAI/commercial finance app.

Rollout options: self-hosted (Raspberry Pi or small Hetzner server, €5-15/month) or managed-hosting in a dedicated Hetzner slot.

Scenario B — tax advisor value-add

Your firm offers clients an integrated financial overview as an add-on service (white-label).

Scenario C — SME bookkeeping

Small company with 2-10 accounts. Automatic reconciliation, categorization, DATEV export.

Scenario D — white-label for cooperative / savings banks

Local bank offering customers value-added functions beyond standard online banking — without handing consent over to a US fintech.

Pricing — five tiers

• 💡 Family Self-Service (1 bank, standard, you manage): from €490, 1 week.
• 🌟 Family Managed (1 bank, I manage consents + updates): from €990 + €9/month.
• Tax advisor pilot (one firm, 5-20 clients): from €4,900, 4 weeks.
• SME bookkeeping (1-3 accounts, DATEV export): €5,900-9,900, 6 weeks.
• White-label / bank OEM (full scope, multi-bank): €12,000-19,000, 8-10 weeks.

Running operation: €5-99/month depending on API usage. Hosting separate.

What I have already built

In my 3motiBot app: Enable Banking API client (Go), Volksbank Mittelhessen integration, RSA JWT auth, encrypted accounts + transactions tables, rule-based categorization. This foundation transfers to customer projects — saves significant time in discovery.