Most apps remember your transactions. Moza also remembers your intentions.
Financial Memory is how Moza gradually remembers the meaningful things you tell it — a purchase you're planning, a goal you're saving for, a worry you mentioned, a decision you made. Later, when you ask a question, get a forecast, or weigh a purchase, Moza already knows your story, so its help feels continuous and personal instead of starting from scratch every time.
It's a Pro capability, and it's built to be helpful, never creepy — every remembered item explains itself, and you can forget anything with one tap.
How it works
- It learns from your conversations. When you tell Moza something meaningful in chat — “I'm thinking of buying a $1,200 laptop in August” — Moza may quietly remember it. You'll see it appear under What Moza Remembers on your dashboard and on the Memory page.
- It connects intentions to outcomes. When you later record the matching purchase, Moza links it — so a plan becomes a “followed through” moment, and your Monthly Review can show what you planned vs. what you did.
- It powers the rest of Moza. Remembered context makes Ask Moza, Insights, Forecasts, Reviews and “Can I afford it?” decisions more relevant. When an answer used a memory, you'll see a small “Remembered” badge you can tap to see exactly what was used.
- It strengthens or fades naturally. Mention something again and Moza grows more confident about it; drop it for a long time and it quietly archives — so your memory stays current, not cluttered.
Limitations
What gets remembered: plans, goals, concerns, preferences, commitments and decisions you mention in conversation — with an amount or date when you give one.
What does NOT get remembered: your raw transactions aren't “memories,” and Moza is precision-first — it would rather miss something than store a wrong guess, so casual or low-confidence remarks are skipped.
It never changes the math. Memory only adds relevance and continuity — it never alters a forecast number, an affordability verdict or your Safe-to-Spend. The deterministic calculations stay authoritative.
Privacy & control: memories live in your workspace only, are Pro/Trial-gated, and are not used to train shared AI models. You can permanently forget any memory from the Memory page at any time — when you do, it's removed for good and never re-enters Moza's answers.
Common Questions
Where can I see what Moza remembers?
On your dashboard under “What Moza Remembers,” and in full on the Memory page (“Your financial story”). Each item shows what it is and, where relevant, the amount and date.
How do I delete or forget a memory?
Open the Memory page, find the memory, and choose “Forget.” It's permanently removed and won't be used in any future answer, forecast or decision.
Does Financial Memory read all my transactions or messages?
No. It only keeps the specific intentions you mention in conversation (plans, goals, concerns, decisions). Your raw ledger is never stored as “memory,” and low-confidence remarks are skipped on purpose.
Will memory change my forecasts or affordability answers?
No. Memory adds relevance and continuity only — the underlying numbers are always computed deterministically from your real data.
Is Financial Memory available on the Free plan?
It's a Pro feature (also available during the Pro trial). On Free you'll see where it would appear, with the option to upgrade.