AI Disclosure & Guidelines

How AI is Integrated

FinBuddy is currently developing a generative AI backend (using models such as Anthropic Claude) to analyze your inputs and generate personalized, natural-language explanations. This AI Explanation Layer is in development and not yet active.

Currently, the "Explain" guidance on our calculators displays pre-written explanatory templates based on your selected calculator. In the future, this system will compile your structured mathematical outputs and route them securely to our API backend to return a fully personalized, plain-English diagnosis.

AI vs. Deterministic Math

We separate AI-based text generation from our core calculation engine:

• Calculations: The math (EMIs, tax slabs, compounding balances) is calculated using pure, deterministic algorithms in our core calculation engine. AI does not calculate your numbers. This guarantees zero mathematical hallucination.
• Explanations (In Development): Once fully active, our AI will only be used to translate these deterministic outputs into friendly advice, explaining the tradeoffs between regimes, prepayment timelines, or compounding growth. Currently, you will see preview templates.

Limitations & Safety

While AI explanations are guided by custom prompt templates that emphasize official rules, they are not a substitute for professional advisory audits.

The AI does not have access to your tax file histories or financial histories. It bases its answers entirely on the variables you input on the page. We suggest reviewing all AI-generated strategies with a CA before implementation.