Teaching the AI how you categorize money
Teach BnbWise how your charges are categorized, once per vendor.
The first time transactions arrive, BnbWise doesn't know that "ZELLE TO QUESADAS CLEANING SERVICES LL ON 01/14 REF #WFCT0ZPPNYP7" is your cleaner. The AI training wizard is where you teach it — once per charge, forever.
When it runs
| Situation | Wizard runs? |
|---|---|
| You upload a bank file | Always |
| You connect a new bank | Yes, after the first download |
| A routine pull on an existing bank connection | No — categorized from what it already knows |
| The daily automatic sync | No — it runs silently in the background |
What it does
- Reads your file and strips away the noise banks wrap around a payment — the payment rail ("SPEI ENVIADO", "ZELLE TO"), the bank name, the embedded dates, the reference numbers.
- Groups transactions that are really the same recurring expense, even when the amount, month and reference differ. Every payment to your cleaner is one group, however messy the text.
- Ticks off the groups it already knows, because you taught it before.
- Asks you about the new ones only.
For each new group you tell it:
- What it is — a category (Cleaning, Utilities, Mortgage, Property tax, and so on), or a custom label of your own.
- How often it recurs — every N days/weeks/months/years, once per stay, or not recurring at all.
- What period the charge covers — useful when one payment covers several months (an annual insurance premium, a quarterly tax bill). BnbWise then spreads the cost across those months so each month's profit is honest.
- Whether to ignore it — internal transfers and card payments aren't real expenses.
Mortgages get special handling: you can tell BnbWise to count the whole payment, only the interest portion (calculated month by month from your loan terms), or nothing at all.
Finally you see the full list of transactions to import, already categorized, where you can adjust anything before saving.
What it remembers
Answers are stored as rules, one per vendor, per property. They accumulate: teaching it about your cleaner in January and your water company in February leaves it knowing both. Teaching it about the same vendor again simply updates that one rule — the newest answer wins.
Plain imports teach it too: any expense that ends up with a payee and a category becomes a rule, which is why an automatic bank connection keeps getting smarter without you opening the wizard.