AI Business Assistant

On-Device AI: Everything Stays on Your Phone

Stintly includes more than 20 AI-powered features built directly into the app. Every AI feature runs entirely on your device using Apple's on-device machine learning stack — your business data, client names, invoice amounts, and financial patterns are never uploaded to a server or shared with any AI provider.

This matters for freelancers. Your client relationships, pricing strategies, and revenue numbers are competitively sensitive. On-device AI means you get intelligent automation without the privacy trade-off.

Most AI features require a Premium subscription. A small set is available on the Pro plan. The plan level is noted throughout this guide.

AI features are available on iPhone with iOS 17 or later. Some features improve as you add more data to the app over time.

AI for Invoicing

Stintly's invoicing AI reduces the time it takes to create, send, and follow up on invoices.

• Smart Invoice Generator (Premium) — Describe the work you did and the AI drafts a complete invoice with line items, quantities, and rates. Start a new invoice and tap the sparkle icon to activate it.
• AI Line Item Suggestions (Premium) — As you type a line item description, the AI suggests relevant descriptions and rates based on your previous invoices. This speeds up data entry and keeps your line items consistent.
• Invoice Dispute Assistant (Premium) — When a client questions a charge, open the invoice, tap "Dispute Help," and describe the situation. The AI drafts a professional, factual response you can send directly from the app.
• Smart Recurring Invoice Detection (Pro) — The AI analyzes your invoice history and detects clients you bill on a regular schedule. It then prompts you to set up a recurring invoice template so the work happens automatically.

AI for Expenses

Manual expense entry is one of the biggest time sinks for self-employed people. Stintly's expense AI handles most of it for you.

• AI Receipt Scanner (Premium) — Point your camera at any paper or digital receipt. The AI extracts the vendor name, date, amount, and likely category, then pre-fills the expense form. Review and save in seconds.
• Voice Expense Entry (Premium) — Say something like "Thirty-two dollars at Home Depot for job supplies" and Stintly creates the expense record. Useful when your hands are busy on a job site.
• Auto-Categorization — Expenses are automatically assigned to categories like Fuel, Supplies, or Meals based on vendor name and amount patterns.
• Expense Seasonality Analysis (Premium) — The AI identifies which expense categories spike at certain times of year for your business, helping you plan cash reserves before those periods arrive.

AI for Clients

Understanding your client relationships at a glance helps you focus on the right people and protect your revenue.

• Client Health Scoring (Pro) — Each client receives a health score based on payment reliability, job frequency, and revenue contribution. Scores update automatically as new data comes in. Find them on the client detail screen.
• Churn Prediction (Premium) — The AI flags clients who show patterns associated with stopping work — longer gaps between jobs, slower payment, or reduced invoice values. You get a heads-up before they disappear.
• AI Communication Drafts (Premium) — Need to follow up on a delayed project, request a review, or reconnect with a dormant client? Tap "Draft Message" on any client card and describe what you need to say. The AI writes a professional message you can copy or send.
• Smart Discount Suggestions (Premium) — When creating an estimate or invoice, the AI can suggest a strategic discount amount for high-value clients based on their revenue history and your margin on that job type.

AI for Business Intelligence

Stintly's business intelligence features give you forward-looking visibility into your finances, not just a rear-view mirror.

• Revenue Forecast (Premium) — Projects your expected revenue for the next 30, 60, and 90 days based on your current pipeline, recurring jobs, and historical patterns.
• Cash Flow Forecast (Premium) — Combines expected income and known upcoming expenses to show your projected cash position over time. Find it in the Reports tab.
• Profitability Scoring (Premium) — Every client and job type receives a profitability score that accounts for time spent, expenses, and revenue. This helps you identify which work is actually worth doing.
• Daily Insights (Premium) — Each morning, Stintly surfaces a short summary of what needs your attention: overdue invoices, upcoming jobs, and anything unusual in your numbers.
• Weekly Business Summary (Premium) — At the end of each week, the AI generates a plain-language review of revenue, expenses, hours logged, and client activity compared to the prior week.
• Payment Predictions (Premium) — For each outstanding invoice, the AI estimates the likelihood of on-time payment based on that client's history. Late-payment risk is flagged so you can follow up proactively.
• Availability Forecast (Premium) — Based on your scheduled jobs and typical work pace, the AI calculates how much capacity you have available in the coming weeks. Useful when deciding whether to take on new work.
• Rate Inflation Advisor (Premium) — Analyzes your rates against your expense growth and flags when your effective hourly rate has eroded, suggesting when it may be time to raise prices.
• Profit Margin Alerts (Premium) — Notifies you when a job or client's margin drops below your configured threshold, so thin-margin work doesn't sneak past you.

AI for Time Tracking

Time tracking data is more accurate and useful when the AI handles the friction of rounding and idle detection.

• Idle Time Detection (Premium) — If you forget to stop a timer, Stintly detects that the device has been idle and offers to trim the idle time from your log entry. You stay in control but don't have to remember every stop.
• Auto Time Rounding (Premium) — Configure automatic rounding of time entries to the nearest 6, 15, 30, or 60 minutes, in either direction or to the nearest interval. Set this in Settings under Time Tracking. Consistent rounding keeps your invoices clean and defensible.

AI for Taxes

• Tax Penalty Warnings (Premium) — The AI monitors your estimated tax payment schedule and income levels, then alerts you if you appear to be under-withholding in a way that could trigger IRS underpayment penalties.
• Contract Scanner (Premium) — Use your camera to scan a paper contract or import a document. The AI extracts key terms — payment amounts, due dates, and scope details — into a readable summary you can reference in the app.
• Scope of Work Generator (Premium) — Describe a project and Stintly drafts a professional scope of work document covering deliverables, timeline, and payment terms. Copy it into your client communication or store it on the job record.
• Proposal Generator (Premium) — Create a full client proposal from job details. The AI formats your services, pricing, and timeline into a document ready to share.

Which AI Features Save the Most Time

If you are new to Stintly's AI features, start with these three — they have the biggest immediate impact on daily workflows:

1. Receipt Scanner — Eliminates manual expense entry for most receipts. If you handle even five receipts a week, this alone saves meaningful time.
2. Smart Invoice Generator — Cuts invoice creation from several minutes to under a minute for typical jobs.
3. Daily Insights — Replaces the habit of manually checking overdue invoices and upcoming jobs each morning. One glance covers everything.

Once those feel natural, add Voice Expense Entry for on-the-go expense capture and Client Health Scoring to keep your client relationships in good shape.