Savings Goal Note Analyzer

How Savings Goal Note Analyzer works

Press Load model once: your browser downloads Gemma 4 E2B instruction-tuned (web build) (2.0 GB) from this site and keeps it in its cache. Then add your text and press Analyze locally. The model runs on this device using your graphics card, so nothing you enter is sent to a server. Until the model is loaded, or if your device cannot run it, the tool falls back to a simple keyword check and labels the result as the fallback.

Gemma 4 E2B instruction-tuned (web build) is a small open language model from Google. The tool sends it the instruction below plus your text, asks for a JSON answer with fixed fields, and shows each field as a card. It runs at temperature 0, so the same input gives the same answer on the same device, though different graphics cards can word it slightly differently.

Inputs longer than 6,000 characters are cut to that length before they reach the model, and the result says so. The model only sees what you paste: it does not look anything up.

The instruction the model gets

You organise a note about a savings goal so the person can see it at a glance: what they are saving for, the target and deadline, what they have saved so far, the contributions they plan, any extra money they expect, and the risks they mention. Copy each figure and date exactly as written. Do not work out how much is left, whether they will make it, or how much to save per week; leave that to a calculator. This is not financial, tax or legal advice, so do not tell the user what they should do with their money. Do not do any arithmetic: copy every amount, date and percentage exactly as written, and never compute totals, differences, gaps, averages or percentages.

What it returns

• Goal: What the money is for, with the target amount and deadline exactly as written.
• Saved so far: The current balance or progress exactly as written.
• Planned contributions: Each regular or one-off amount going toward the goal, as written, with how often.
• Risks mentioned: Expenses or events in the note that could slow the goal.
• Missing details: Things the note does not say that a plan would need (for example the deadline, the current balance or how often transfers happen).

Worked example

The model's output for the built-in sample, recorded on a desktop browser. Your run may word things slightly differently.

Goal note: save $6,000 for moving costs by May 30. Current balance $1,850, automatic transfer $325 every paycheck, possible tax refund $900, risk is car repair this spring.

Goal

save $6,000 for moving costs by May 30

Saved so far

$1,850

Planned contributions

$325 every paycheck possible tax refund $900

Risks mentioned

car repair this spring

Missing details

how often transfers happen

The model

The files are served from this site, versioned so a cached copy is never stale. Nothing is fetched from a third party while you use the tool.

Limitations

• Small language models make mistakes: they can miss an item, merge two, or state something more confidently than the text supports. Check the result against your input before you rely on it.
• It needs WebGPU and about 8 GB of memory, so it is offered on desktops and laptops, not on phones and tablets. Devices that cannot run it get the keyword fallback, clearly labelled.
• Results describe the input you gave, not the real-world situation behind it. Review them yourself before acting.
• This is not financial, tax or legal advice. Confirm anything important against your own records and with a qualified professional.