AIお金の先生 v2-AI-powered financial advisor.

Example

A user who earns ¥500,000 monthly and spends around ¥450,000 on various expenses wants to improve savings. AIお金の先生 v2 breaks down their expenses, categorizing them into fixed and variable costs, then suggests ways to optimize spending—like reducing dining-out costs or re-evaluating subscription services.

Scenario

A family looking to balance their monthly income and expenses can use this feature to track spending patterns and improve savings by up to 10% within a few months.

Example

A couple plans to purchase a home worth ¥40,000,000 with a down payment of ¥10,000,000. AIお金の先生 v2 calculates different loan options based on their monthly income, potential interest rates, and loan durations. It helps the couple decide between a 20-year and a 30-year mortgage.

Scenario

This function is ideal for individuals considering a major loan such as a mortgage. The AI walks them through the implications of different loan terms, interest rates, and payment schedules, helping them make informed choices.

Example

Parents of a young child want to start saving for their child’s education. They are uncertain whether to aim for public or private schooling. AIお金の先生 v2 provides a breakdown of estimated costs for both paths, from kindergarten to university, and suggests appropriate savings strategies.

Scenario

Families planning for future education expenses can use this feature to understand the financial commitment for various schooling options, and begin structured savings early to avoid financial strain later.