How Charlie AI Works

Charlie is Nova's built-in AI assistant designed to help you understand your finances at a glance. Here's everything you need to know about how Charlie works and what it can do for you.

What Insights Does Charlie Provide?

Charlie analyzes your connected accounts and transactions to surface personalized insights, including:

• Spending patterns — Charlie identifies trends in your spending and alerts you to unusual activity
• Savings opportunities — Suggestions for where you could cut back or optimize
• Net worth trends — Plain-language summaries of how your net worth is changing and why
• Bill reminders — Heads-up notifications about upcoming recurring charges
• Investment observations — High-level commentary on portfolio performance across your linked accounts

How Does Charlie Learn?

Charlie improves over time by learning from your financial data and how you interact with its suggestions. The more accounts you connect and the longer you use Nova, the more tailored Charlie's insights become. Charlie does not learn from other users' data — your information stays yours.

How Accurate Is Charlie?

Charlie's insights are based on real transaction and account data pulled from your linked institutions. While Charlie is highly reliable for identifying trends and patterns, its suggestions are informational only and should not be considered financial advice. Always consult a qualified professional for major financial decisions.

AI Transparency

We believe in transparency. Charlie will always tell you why it's making a recommendation by referencing the underlying data. You can tap any insight to see the transactions or accounts behind it. Nova never sells your data, and Charlie's analysis happens securely within our platform.

SuperNova subscribers get access to advanced Charlie insights, including deeper spending analysis and predictive recommendations.

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Still need help? Contact our support team — we're happy to assist.