Step 1
Find the separate automatic-saving switch
- Open AI Intelligence in Settings
- Read Save automatically before enabling it
Open AI Intelligence from Settings and find Save automatically.
It can save a qualifying expense as review loads, without a separate Save confirmation. Understand that choice before enabling it.
Step 2
Free AI usage does not unlock automatic saving
- Free calls can help with suggestions
- This free-account switch stays disabled
The free AI allowance can help with suggestions, but it does not unlock automatic saving.
In this synthetic free-account example, Save automatically remains disabled even with cloud permission.
Step 3
Regular Premium is a different entitlement
- Regular Premium does not include AI auto-save
- Keep the two plans separate
This regular Premium example still cannot enable automatic saving.
Regular paid features and the separate AI plan are different entitlements. One does not substitute for the other.
Step 4
Referral ad-free time is not AI Premium
- Referral rewards remove network ads
- They do not unlock automatic saving
Referral ad-free time also does not unlock automatic saving.
This referral-only example keeps the switch disabled. Ad-free access is not the AI-paid entitlement.
Step 5
AI-paid access still needs your choice
- Cloud permission and AI Premium enable the control
- This example is still off
With cloud permission and the separate AI plan, the automatic-saving control becomes available.
In this example, it is still off. Having the plan is not the same as choosing to save without confirmation.
Step 6
Keep the confidence gate separate
- Choose your confidence threshold
- The estimate cannot guarantee correctness
Choose the minimum confidence threshold using the slider explained in the previous lesson.
Confidence is an estimate, not a guarantee. Below-threshold or invalid confidence cannot authorize automatic saving.
Step 7
Turn on only if you want this behaviour
- Make the explicit ON choice
- Qualifying review loads can save without confirmation
Turn Save automatically on only if you want qualifying expenses saved without a separate confirmation.
Pennie still checks the current cloud permission, AI entitlement and sufficient confidence before that automatic save.
Step 8
Reopening remembers the explicit choice
- A fresh page reads the stored ON choice
- Unconfirmed messages still need review
Reopening this actual page remembers the stored on choice.
Messages still needing finance confirmation remain manual-only, even with AI Premium. A high confidence number cannot remove that check.
Step 9
Lost AI entitlement blocks the old choice
- Current AI access is checked again
- An old ON preference is not permission to save
If AI entitlement is lost, the real control becomes disabled and off.
The earlier choice can remain stored, but it cannot authorize automatic saving without current AI access.
Step 10
Cloud off blocks automatic saving
- Turning cloud AI off hides its controls
- An earlier ON choice can return later
Turning cloud AI off hides the feature controls and blocks automatic saving.
It does not erase the earlier on choice. If you enable permission again, check whether that choice returns.
Step 11
Choose manual review when you prefer it
- Turn Save automatically off explicitly
- Review and save uncertain categories yourself
If you prefer manual review, turn Save automatically off explicitly while the control is available.
Keep uncertain categories for review and save the corrections yourself. Permission, the paid plan and your choice remain separate.