How to read Financial Coach findings in Orbit

Financial Coach turns your personal information into a list of observations. It looks at cash in and out, assets, liabilities, budgets, savings goals, debts, and tax relief. It points out things that stand out based on fixed rules. It is general guidance, not specific financial advice.

1. Open the screen to load the findings.
2. Read the coloured badge: Opportunity, Action needed, or Note.
3. Read the finding line and the figures from your records.
4. Read the small italic line at the bottom for the basis, such as a rule of thumb.
5. Go to the relevant screen and check the numbers yourself.

1. Press Explain with AI at the bottom right of a card.
2. Wait for the short paragraph to appear in a grey box.
3. Compare it to the finding above to ensure it adds no new numbers.
4. Ignore any number the AI adds that is not in the finding.
5. If the model is unavailable, the box shows the plain suggested action instead. That is the fallback, not an error.
6. Note that this button sends the finding to your configured AI provider. Do not press it if you would rather the data stayed on your computer.

1. Scroll below the findings to the Spending insights section.
2. Read lines built from facts in your cash book over the last three months.
3. Note that a category is flagged only when this month is at least 40 percent above its own recent average and at least RM 50 more.
4. Check the subscriptions line if you have three or more active recurring expenses.
5. Accept that the panel does not appear if nothing qualifies, or if AI is turned off in Settings. The findings stay the same either way.

1. Enter income and spending in Cash In & Out.
2. Record assets and liabilities on Net Worth.
3. Set targets in Budget for overspend comparisons.
4. Add goals in Savings Goals and keep amounts up to date.
5. Commit a plan in Debt Payoff or leave it unset.