Anthropic推出Claude个人理财功能Beta版
Introducing Personal Finance in Claude | Claude by Anthropic
Getting answers about your money no longer means opening every banking app and doing the math yourself. With Personal Finance in Claude, you can securely connect your bank and card accounts and ask in your own words. Access is read-only, and Personal Finance can’t move, manage, or invest your money.
获取关于您资金状况的答案，不再意味着打开每一个银行应用程序并自行进行计算。借助 Claude 的个人理财功能，您可以安全地连接您的银行账户和银行卡账户，并用您自己的语言提问。访问权限为只读模式，个人理财功能无法移动、管理或投资您的资金。
Claude gives you answers in everyday language, from your balances and transactions, and explains any term that's new to you. Like the rest of Claude, Personal Finance has no ads or sponsored recommendations, and it doesn’t offer credit cards, loans, or savings accounts of its own, so your money questions get a straight answer.
Claude 会用日常语言为您提供答案，涵盖您的余额和交易信息，并解释任何对您来说陌生的术语。与 Claude 的其他部分一样，个人理财功能没有广告或赞助推荐，也不提供自有信用卡、贷款或储蓄账户，因此您的资金问题能得到直接的回答。
Personal Finance starts rolling out in beta this week, on the Pro, Max, and Ultra plans in the US.
个人理财功能将于本周在美国的 Pro、Max 和 Ultra 套餐中开始以测试版形式推出。
What it looks like
它的外观如何
Say it's late in the month and payday is still 10 days away. When you ask Claude, "Where did my money go this month?" it adds up your spending across the accounts you connected and sorts it by category. In this example, that comes to $4,309.37, with more than half going to rent and utilities and $1,024.51 to food and drink.
假设现在是月底，距离发薪日还有 10 天。当您向 Claude 提问“我这个月的钱都花哪儿了？”时，它会汇总您已连接账户的所有支出，并按类别进行分类。在这个例子中，总支出为 4,309.37 美元，其中超过一半用于房租和公用事业费，1,024.51 美元用于餐饮。
From there, you can dig deeper: "Is that more than usual?" "Anything else I'm missing?" "So what's left before payday?" Claude checks the previous months and points to a membership renewal. Then Claude tells you about four payments that will come out of your checking account before payday, and what you’ll have left: $1,393.22.
在此基础上，您可以进一步深入探究：“这比平时多吗？”“我还有什么遗漏的吗？”“发薪日前还剩多少钱？”Claude 会检查前几个月的数据，并指出一笔会员续费。随后，Claude 会告知您在发薪日前将从支票账户扣除的四笔付款，以及届时剩余金额：1,393.22 美元。
If you ask whether anything looks off, Claude reads across every account you've connected and can point to what's easy to miss, like charges that hit twice, unexpected fees, or a bill that’s crept up all year. You can also ask bigger questions, like "Am I spending more than I make?" or "What's an APR, and what has mine cost me this year?" Claude explains the term, then adds up the interest you've been charged.
如果您询问是否有异常之处，Claude 会浏览您连接的所有账户，并指出容易被忽略的项目，例如重复扣款、意外费用或全年逐渐上涨的账单。您还可以提出更宏观的问题，例如“我的支出是否超过了收入？”或“什么是 APR（年化百分比利率），它今年让我付出了多少成本？”Claude 会解释该术语，然后汇总您被收取的利息总额。
Ask for a weekly spending chart, a calendar of what's due, or a dashboard of the numbers you choose, and Claude builds one you can keep adjusting.
要求生成每周支出图表、到期事项日历或您自选数据的仪表板，Claude 将为您构建一个您可以持续调整的视图。
Security and privacy
安全与隐私
Claude's access is read-only. Personal Finance helps you understand your money, and it isn't designed to give investment advice. Claude can make mistakes in its answers, so ask which transactions are behind a number, and check important figures with your bank.
Claude 的访问权限仅为只读。个人理财功能旨在帮助您理解自己的资金状况，并非设计用于提供投资建议。Claude 的回答可能会出现错误，因此请询问某个数字背后对应的具体交易，并通过您的银行核实重要数据。
Your accounts are only connected once you sign in to your bank yourself through Plaid, a service that connects apps to banks. That's where you agree to its terms and approve Claude's read-only access, so Claude doesn't ask for or see your bank password.
只有当您通过 Plaid（一项连接应用程序与银行的服务）亲自登录您的银行账户后，才会建立连接。正是在那里，您同意其条款并批准 Claude 的只读访问权限，因此 Claude 不会索取或查看您的银行密码。
For the accounts you choose to connect (and only those), Claude sees the bank's name, each account's name, type, and last four digits, balances and credit limits, and up to two years of transactions. When you chat with Claude in the Personal Finance hub, those conversations aren't used to train our models. For anything you share with Claude outside the hub, your privacy settings apply. You can unlink an account anytime, and then Claude can no longer see its data. More details can be found in our Privacy Center.
对于您选择连接的账户（仅限这些账户），Claude 会显示银行名称、每个账户的名称、类型和最后四位数字、余额及信用额度，以及最多两年的交易记录。当您在个人理财中心与 Claude 聊天时，这些对话不会用于训练我们的模型。对于您在中心之外与 Claude 共享的任何内容，您的隐私设置将适用。您可以随时取消链接账户，此后 Claude 将无法再查看其数据。更多详情请参阅我们的隐私中心。
Getting started
入门指南
When you see Personal Finance in Claude's sidebar, open it, connect one account, and ask a single question, like "Can I afford a trip this spring?" or "How much could I save each month?" You'll find the setup steps, and how your data is used and kept, in the Help Center. (opens in new tab)
当您在 Claude 侧边栏看到“个人理财”时，打开它，连接一个账户，并提出一个问题，例如“我今年春天能负担得起一次旅行吗？”或“我每个月能存多少钱？”。您可以在帮助中心找到设置步骤，以及您的数据如何使用和保存的信息。（在新标签页中打开）
What’s next
下一步
Personal Finance is a first step. For life’s bigger money decisions, we think people are best served by Claude working alongside the licensed professionals and regulated firms they trust. We’re exploring how to make that possible in Claude, and we’d like to hear from banks, wealth managers, and financial services companies who want to help shape it.
个人理财只是一个第一步。对于人生中更大的金钱决策，我们认为让 Claude 与您信任的持牌专业人士和受监管公司协同工作，是为用户提供最佳服务的方式。我们正在探索如何在 Claude 中实现这一目标，并希望听取希望参与塑造这一功能的银行、财富管理人员和金融服务公司的意见。
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