New Delhi, June 12 -- A month ago, I did something both reckless and oddly responsible: I handed over control of my personal finances to ChatGPT. Yes! The chatbot almost everyone is hooked on for coding help and LinkedIn posts. But can it actually manage money? I decided to find out.

Like many urban Indian millennials, my money habits were all over the place. I had a salary, a SIP or two, random Swiggy orders, an unused credit card, and zero idea where my money was actually going.

I'd tried budgeting apps before-some were too complicated, some too Western, and some too judgmental. Then, one evening, while doom-scrolling through a personal finance subreddit, I stumbled on a post: "Has anyone tried using ChatGPT to track or optimise their...