Konto — Designing an AI

Konto — Designing an AI finance assistant that plans 🙌 Budgeting apps are great at showing you what already happened. I wanted to explore what changes when the AI is the planner.

Mila is the assistant inside Konto, a personal finance concept I designed end-to-end. At the close of a month she reviews the result, connects it to your savings goal, and proposes the next month as three options — built around your calendar, a repeat of last month, or a harder-save version that reaches the goal sooner. You pick one, and the budget is set. No spreadsheets, no manual category editing.

Design decisions that mattered here:

- The assistant leads with an outcome ("you were €1,240 under plan, all of it went to your goal") before any chart.

- Choices are shown as radio cards with a one-line consequence each, so the decision is fast and reversible.

- Chat history is organised as finance threads (budget review, tax plan, portfolio), so past conversations become a record you can return to.

The AI is a persistent side panel, not a separate screen — it sits next to the data it talks about.