Before you start
- Budget AI installed and opened.
- Consent to AI processing and an internet connection.
- Shortcuts installed; allow Budget AI notifications to see processing results.
Step by step
Add the Budget AI shortcut
Open the link on your iPhone. On the BudgetAI Track SMS screen, tap Add. The shortcut will appear in Shortcuts.
Add the BudgetAI Track SMS shortcut · Russian interface Configure the trigger
Open the added shortcut in the editor. In the Message trigger, choose your bank in Sender and add a payment keyword in Message Contains, such as “Purchase”.
Make sure Automation is on and confirmation before running is off so payments are recorded automatically.
Bank sender and payment keyword; automation is on and confirmation is off · Russian interface Allow the first run
Run the shortcut once using the ▶ button. When iOS asks whether the shortcut may run Budget AI actions, tap Allow.
After you allow access, Budget AI shows the “Budget AI is connected” notification. The shortcut is ready to use. Check payment tracking with a new bank SMS in the next step.
Allow the shortcut to run Budget AI actions · Russian interface 
“Budget AI is connected” notification after the first run · Russian interface Check a payment
Wait for a new purchase SMS from the bank selected in step 2. The message must contain the keyword you specified.
If Notifications are on in Automatic tracking settings, Budget AI shows a “Logged” notification when the transaction is recorded. Open the app and check the amount, category and account. Use one automation for each purchase to avoid duplicates.
In Budget AI settings, open Automatic tracking to configure stop words, category rules and card-to-account mappings. See the categories and filters guide for details.
Example notification confirming a purchase was recorded · Russian interface
Useful details
Set up manually
Tap + in Shortcuts. Under Add Action, open Automation and choose Message. Configure the source as in step 2, then add the Budget AI Track Text or SMS action.
Pass the Message variable to Text.
Video walkthrough
For now, follow the complete written steps above.