Categories that learn from you — and ask first
Transaction categorisation is sorting each payment into a spending category such as groceries, housing or transport.
KRONO AS · Updated:
KRONO combines four layers to sort your transactions: your own rules, your earlier corrections, merchant recognition and, if you turn it on, Apple's on-device AI. Suggestions from the model wait for your approval.
How the layers work together
Your rules always come first. Next, KRONO applies what you have corrected before and recognises known merchants. Only when those don't decide a category can the optional on-device AI suggest one.
You can create a rule straight from a transaction or from a suggestion, so the same merchant is handled the same way next time.
You stay in control
AI suggestions need your approval. If you choose optional automatic application, it is limited to high-confidence matches from known merchants or your previous choices — the AI cannot silently change every transaction.
Changes can be undone. Turning AI off does not change categories you have already accepted, and “Clear AI-learned preferences” deletes what KRONO has learned from your corrections.
Recurring payments and transfers
KRONO gives you more control over recurring payments and shows transfers between your own accounts more clearly, so they don't distort spending totals.
Frequently asked questions
Is AI categorisation required?
No. It is off by default; rules, past corrections and merchant recognition work without it.
Does my transaction data leave my iPhone?
No. AI categorisation runs with Apple's on-device model, and learned preferences are stored only on your device.
Can I undo an automatic category?
Yes. You can undo changes and correct any category; KRONO learns from the correction.