AI-powered budgeting apps like Moneta Lend can automate tracking, categorizing, and budgeting based on spending habits.AI can analyze spending habits, identify leaks, and suggest ways to cut back to meet financial goals.Moneta Lend's AI provides roasts to discourage unnecessary spending and highlights patterns that hinder financial progress.AI helps set realistic saving goals, track progress, and provide real-time alerts to avoid overspending.