Meta's Muse says it can manage your money. Should you let it?

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Meta launched Muse, its new AI agent, earlier this month — and it's already claiming to help some consumers save money.

At the 2026 Meta Connect conference, Meta Chief AI Officer Alexandr Wang spoke about Muse's ability to shop for products online, manage travel plans, save money on insurance costs, negotiate utility bills, and more.

Now, he's challenging people to use Muse to save them $1,000 in what he's dubbed the #MuseMoneyChallenge on X. With the agent's help, users can do everything from create a budget to cancel unused subscriptions.

Here's a closer look at Muse's personal finance capabilities, and some risks to weigh before handing over your financial information.

Muse is Meta's personal AI agent. The company describes it as "an agent that takes on more of the work so people can focus on what matters to them."

Plenty of other AI agents exist today with features that allow users to help with tasks — whether that's setting up a work meeting on a shared calendar, writing code, or planning a summer vacation.

Instead of just chatting with users and responding to prompts, these agents can make decisions based on information already discussed and take actions on the user's behalf, generally based on parameters they've set.

Many have also begun integrating personal finance tools for users. OpenAI's ChatGPT has a "personal finance experience" that lets you connect your financial information to get personalized recommendations and more. Robinhood has an agentic credit card feature that lets cardholders link their third-party AI agents to make automatic (preapproved) purchases.

Unlike some other AI agents, Muse is targeting everyday users, claiming to be the first personal AI agent "built for everyone" with "no learning curve."

According to Meta ( META ), Muse can take on tasks that those already using agentic AI are familiar with, including sending emails, booking travel, and making restaurant reservations. It can also help users accomplish goals: "Once a person shares a goal with Muse, it helps them develop a personalized plan and coordinate their time and resources, then advances the work on its own. It can open a browser, fill out forms, and negotiate on their behalf."

Meta is also positioning Muse specifically as a personal finance tool.

How Meta's Muse could help with your finances

Here are a few of the ways Muse can assist with personal finances:

When you connect your bank account to Muse, it can track your spending and help you set a budget. By reviewing your frequent purchases, it can recommend where to cut back and save more.

You can also set up regular check-ins on spending and savings goals and have the agent make adjustments over time.

Muse can use your linked accounts to find all of the subscriptions you're currently paying for and help you decide what's worth keeping. Beyond the one-time audit, it can also keep monitoring your paid subscriptions so they don't pile up.

The agent can even track unexpected expenses charged to your accounts, which can be useful if you forget to cancel a free trial before it turns into a paid subscription.

With access to financial accounts, Muse can analyze your bills and expenses to find any duplicate charges or errors and then resolve them for you. If there's a provider charging less for a service you already pay for, it can let you know.

Muse can also negotiate lower bills for you. In some cases, it may be able to call your service providers and negotiate bill prices itself. Other times, it can start the process and connect you to the call to speak with a representative.

Muse can search online databases for unclaimed property , finding any money you're owed across different states you've lived in. It can file the claims for you and start the process of receiving the money — whether from old bank accounts, employers, overpaid utility bills, and more.

Before you buy an item, Muse can search online for the best prices and recommend similar items at lower price points. It can also keep track of an item you've already purchased to see when prices drop. If the discount falls within your credit card's purchase protection policy, it can help you navigate the claim.

If you choose, it can even make purchases for you.

Muse is set up to ask for approval before it authorizes any spending. For websites where your payment method is already on file, it'll give you the purchase details and ask for approval before purchasing. If you don't already have a stored payment, Muse can use your stored payment (using single-use card information, but not sharing your real card numbers with the merchant) to make the purchase, again with your approval.

For a lot of users, privacy is a major concern when it comes to using an AI agent — including Muse — for personal finance help. Experts we've spoken to are also skeptical about linking sensitive financial information to third-party services.

"Right now, the technology is too new," Eva Velasquez, CEO of the Identity Theft Resource Center, recently told Yahoo Finance. "The data sharing implications are still unknown … It's just not something we're going to recommend."

According to Meta, Muse has several built-in security protections. That includes securely storing passwords and payment methods (even from the agent itself), requiring approval for certain actions, keeping a trail of past and future actions, and more.

Still, privacy isn't guaranteed. Meta itself admits Muse "isn't immune to attack" and "will sometimes make mistakes."

If you're not willing to share your banking and credit card information yet, you can still make use of Muse for your personal finances. The process will just require more manual work on your end.

Instead of allowing complete access to your credit card account, for example, you can upload a copy of your most recent statement, or several past statements, and omit information you want to keep private. The agent can use that select information to help you find recurring expenses, identify unnecessary spending, and create a budget.

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