Is Your Money Working For You?

FinanceAudit is an AI-powered tool that analyzes your financial situation across two dimensions: Value Capture (are you earning what you're worth?) and Resource Allocation (is your spending intentional?). Most people are leaking money in one or both dimensions without realizing it.

Describe your income, expenses, and financial patterns — and get an instant analysis: Undermonetized, Overextended, or Optimal? Leaking, Hoarding, or Strategic? Plus a precise growth plan and one-click auto-optimize to reach financial health.

Screenshots

App Screenshots

Screenshot of Reloadium FinanceAudit (light)

Screenshot of Reloadium FinanceAudit on mobile (light)

Key Features

Built-in Agentic AI Assistant

Every Reloadium app comes with a built-in agentic AI assistant. It can perform any task the app offers — just describe what you want in plain language. Attach images or documents, keep a persistent conversation history, and let the AI act on your behalf — no extra setup required.

Value Capture Analysis

Evaluates whether you're earning at market rate for sustainable effort. Labels: Undermonetized (leaving money on table), Overextended (unsustainable hustle), or Optimal.

Resource Allocation Analysis

Assesses whether your spending is intentional and values-aligned. Labels: Leaking (unconscious spending), Hoarding (fear-based saving), or Strategic.

Auto-Optimize Strategy

One click rewrites your financial situation with concrete improvements — directly addressing your income and spending patterns while keeping your career field the same.

Audit History

Track your financial evolution over time with persistent history stored locally in your browser. Compare before/after states to measure improvement.

Analyze Any Webpage

Paste any URL and the AI reads the page for you. Feed in articles, competitor pages, reports, or documentation — the full content becomes context for a richer, more grounded analysis.

Upload a Document

Drop in a PDF, Markdown, or plain text file and let the AI work from your actual content. Ideal for analyzing contracts, research papers, internal reports, or any document you'd rather not copy-paste.

How It Works

1

Describe Your Financial Situation

Paste a description of your income, expenses, work situation, and financial behaviors. Include numbers when possible for sharper analysis.
2

Get Your Analysis

AI evaluates your Value Capture (Undermonetized / Overextended / Optimal) and Resource Allocation (Leaking / Hoarding / Strategic) with detailed reasoning.
3

Apply Your Growth Plan

Follow the actionable financial growth plan, or hit 'Auto-Optimize Strategy' to auto-rewrite your situation toward the Optimal + Strategic target.

Perfect For

Underearners

If you suspect you're below market rate but fear negotiating or interviewing — get a clear audit and a concrete action plan to capture your true value.

Overextended Hustlers

Making good money but burning out across multiple gigs? Understand whether the hustle is sustainable and where to optimize for income per hour.

Spending Leakers

Good income but nothing saved? Identify where money disappears — subscriptions, lifestyle inflation, unconscious small purchases — and plug the leaks.

Fear-Based Hoarders

Saving aggressively but money just sitting idle while anxiety persists? Understand the psychology and start deploying your capital strategically.

Powered by Advanced AI

FinanceAudit uses Google Gemini 2.5 Flash to deliver nuanced two-dimensional financial analysis. Our technology:

Analyzes financial descriptions against a structured Value Capture / Resource Allocation framework
Returns JSON-structured output with status labels, detailed analysis, and actionable growth suggestions
Rewrites financial situations targeting Optimal income and Strategic spending
Stores all history locally in browser localStorage — zero server-side data retention
Runs securely through the Reloadium /api/hello cloud function with Firebase Auth

Privacy & Data

We respect your privacy and are committed to protecting your data:

Your financial descriptions are sent to the AI for analysis only — not stored on our servers
All audit history is stored locally in your browser
Firebase Authentication is used for secure credit-based access
No personal financial data is retained after each analysis session

Frequently Asked Questions

Is there a built-in AI assistant?

Yes — every Reloadium app has a built-in agentic AI assistant. It's not just a chatbot: it can perform any task the app offers on your behalf. Click the chat icon to open it, describe what you need in plain language, and the AI takes care of the rest. You can also attach images or documents for analysis. Your conversation history is saved locally across sessions. No account or extra setup needed.

What does 'Undermonetized' mean?

Undermonetized means you're earning below market rate for your skills and experience — leaving money on the table due to fear of negotiating, lack of visibility, or underpricing your services. The fix is market research, negotiation, and strategic positioning.

What is the difference between Leaking and Hoarding?

Leaking is unconscious spending — money disappears into subscriptions, lifestyle inflation, and impulse purchases you barely notice. Hoarding is the opposite: fear-based saving where money sits idle in cash while anxiety persists despite having a healthy balance.

What is the optimal zone?

Optimal + Strategic is the target: fair compensation for sustainable effort (no burnout, no underearning), and every dollar intentionally allocated to values-aligned goals (investing, experiences, security). Not maximum income — maximum financial wellbeing.

Will it tell me to change careers?

No. The analysis and auto-optimize keep your career field the same. The focus is on earning strategy (negotiation, positioning, rate-setting) and spending psychology within your current situation.

Is my data private?

Absolutely. Your financial descriptions are sent to the AI for analysis only and are never stored on our servers. All history is kept locally in your browser.

Can I analyze a webpage or article directly?

Yes — switch to the URL tab, paste any link, and the AI fetches and reads the full page content before running its analysis. Works with articles, reports, competitor pages, and most public URLs. No copy-pasting required.

Can I upload a file instead of typing?

Yes — switch to the File tab and drop a PDF, .md, or .txt file (up to 20 MB). The AI extracts the text and uses it as the basis for its analysis. Useful for contracts, research papers, meeting notes, or any document you already have.

What if I don't know what to type?

Use Guide mode — click the ✦ Guide tab and answer a short set of focused questions. The AI assembles your answers into a rich, structured input automatically, so you get a thorough analysis without needing to know exactly what to write upfront.

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