AI that learns
how you spend.
LazeeFish watches your categorization history, builds confidence for each merchant, and starts handling transactions automatically — no training required. It gets smarter every month.
The same 15 merchants. Every single month.
You import 200 transactions.
Every transaction from your bank lands in Unassigned. Netflix, Trader Joe's, your gym, your mortgage — all sitting there, waiting for you to deal with them.
You manually tag each one.
The same 15 payees. The same envelopes. The same decisions you made last month, and the month before that. It's not budgeting — it's data entry.
LazeeFish can do this for you.
Create one rule for Netflix. Now every Netflix charge — this month, next month, forever — goes straight to your Streaming envelope with zero clicks from you.
Two ways to automate. Both always on.
It learns from your history
No setup needed for merchants you've already categorized. LazeeFish tracks which envelope you use for each merchant, and once it's seen a consistent pattern it starts auto-posting — no rules required.
Create a rule for the hard cases
Open the Automations hub and click "+ New Rule". Set what to match: payee name contains "NETFLIX", amount $14–$18, specific bank account. Choose whether to auto-post, ask you to confirm, or skip entirely.
New merchants get a smart guess
For brand-new payees, LazeeFish uses the bank's category data as a starting guess and puts it in the "needs a quick look" section — pre-filled, one tap to confirm.
Teach it once — done forever
After you categorize something, LazeeFish asks "Always send this to Groceries?" One tap creates the default. The same merchant never asks again.
It handles the messy stuff too.
Bank data is noisy. LazeeFish handles the edge cases that would trip up a simple rule engine.
Venmo & PayPal double-entry
When both your bank and Venmo are connected, LazeeFish spots the duplicate "VENMO -$50" bank charge and hides it — keeping only the Venmo record with the real payee and notes.
Between your own accounts
Credit-card payments, savings transfers, paycheck deposits from one account to another — all detected and excluded from spending automatically, even when the two legs arrive in separate syncs days apart.
Returns credited back
When a refund arrives from the same merchant, LazeeFish matches it to the original purchase and credits the right envelope — so your Clothing balance actually goes back up when you return that jacket.
Fix history in one click
Create a rule or update a merchant's default and LazeeFish will offer to recategorize all matching past transactions. Preview the list, confirm, done.
Precise matching. Zero false positives.
Each rule can combine multiple conditions. The more conditions you set, the more surgical the match.
Exact or contains
Match payees that exactly equal or contain your keyword. Case-insensitive. "AMAZON" catches "AMAZON.COM*AB12CD" and "AMAZON MARKETPLACE".
Keyword in notes
Search the raw transaction description your bank sends — often richer than just the merchant name. Useful for ACH transfers with memo text.
Between $X and $Y
Set a minimum, maximum, or both. Prevents "AMAZON" from matching a $400 TV purchase with the same rule as your $14.99 Prime membership.
Specific account
Scope a rule to one linked account only. Useful when the same payee appears on both personal and joint accounts and should go to different envelopes.
AI runs the moment a transaction arrives.
Whether a transaction comes in via Plaid bank sync or you enter it manually, the AI runs instantly. There's no batch process, no nightly job, no "check back tomorrow."
A typical month after setup: your bank syncs, 40 transactions arrive, 36 auto-post to the right envelope silently, 3 get a confident pre-filled guess that takes one tap to confirm, 1 genuinely new payee needs a decision. That's your entire categorization workload — and it gets shorter every month as LazeeFish learns.
a known payee
to posted transaction
automatically
Want to learn more about tags themselves?
AI categorization assigns tags automatically — but tags themselves are a full feature with filtering, reporting, and multi-dimensional analysis built in. See how tags work independently from rules.
Tags & Categories →Looking for the full AI budgeting overview?
This page covers the AI categorization feature in detail. The overview page shows how it fits into the full picture — confidence tiers, Venmo dedup, transfer detection, and how it compares to YNAB, Monarch, and Copilot on price.
AI Budgeting App overview →Want to learn more about tags themselves?
AI categorization assigns tags automatically — but tags are a full feature with filtering, reporting, and multi-dimensional analysis built in. See how tags work independently.
Tags & Categories →Auto-categorization questions.
How does LazeeFish auto-categorize transactions?
LazeeFish uses three layers. First, explicit rules you create — if a rule matches, the transaction posts immediately. Second, learned merchant history — if you've sent the same merchant to the same envelope consistently, it posts automatically without a rule. Third, for brand-new merchants, the bank's own category data fills in a starting guess. The result is a Review feed with three tiers: silently auto-posted, one-tap confirm, and needs you. Most months, the first tier covers 90%+ of transactions.
What can rules match on?
Rules can match on payee name (contains your keyword), a dollar amount range (min and/or max), and a specific bank account. You can combine conditions — for example, payee CONTAINS "AMAZON" AND amount between $10 and $20 to catch only Prime charges, not large purchases. You can also set a rule's disposition: auto-post silently, ask for confirmation, or skip the transaction entirely.
Do rules apply retroactively?
Yes. When you create or update a rule, LazeeFish offers a one-click preview showing exactly which past transactions match. Confirm and they're recategorized instantly. The same applies when you update a merchant's default envelope — you can fix history in seconds.
Does LazeeFish handle Venmo, PayPal, and transfers between my own accounts?
Yes. When both your checking account and Venmo/PayPal are connected, LazeeFish detects the duplicate — the bare "VENMO -$50" debit and the real Venmo record — and hides the bank copy automatically. It also identifies transfers between your own accounts (including credit-card payments) and excludes them from spending, even when the two legs arrive in separate syncs days apart.
Is auto-categorization free?
The full automation engine — merchant learning, rules, wallet dedup, transfer detection, retroactive apply, and the Review feed — is included in the $5/month plan. No transaction limits, no rule limits. Start with a 30-day free trial — no card required.
Let the AI handle it
from day one.
30-day free trial, no card to start. AI categorization included on every plan — no limits, no extra cost.