AI-Powered Budgeting Platform for Real-Time Fintech Insights and Automated Savings
Subscribe to an intelligent budgeting experience that blends live market data, personalized spend forecasting, and automated savings rules, helping you make faster, smarter financial decisions. Start your free trial today and watch our AI coach optimize cash flow, reduce wasteful fees, and accelerate progress toward every goal you care about.
Built to Make Modern Budgeting Effortless
We are a product and research team on a mission to democratize intelligent money management. By combining human-centered design, robust security, and applied machine learning, we deliver practical tools that reduce stress, illuminate trade-offs, and automate good choices for everyday people and growing households.
How It Works
Our platform securely connects to your financial accounts, analyzes transactions in real time, and continuously adapts your budget using machine learning, so every decision benefits from live insights, goal alignment, and proactive automations designed to protect cash flow and grow savings efficiently.
Connect Your Accounts
Link your checking, savings, credit cards, and investment accounts using modern, read-only connections protected by bank-grade encryption and OAuth. We categorize transactions automatically, refresh balances throughout the day, and never store credentials, ensuring your data remains safe while our AI keeps your budget continuously up to date.
Train Your Budget
Our models learn your recurring bills, income cycles, and spending patterns, then build a living budget that flexes with reality. As paychecks land or plans change, envelopes update automatically, forecasts adjust, and recommendations prioritize goals while maintaining essential obligations, so you stay in control without manual spreadsheets.
Automate Savings Rules
Create rules that move money when conditions are perfect, like round-ups, percentage skims on deposits, and payday sweeps into dedicated goals. Priorities, buffers, and minimum balance protections ensure transfers never jeopardize essentials, while progress trackers show exactly how each automation contributes to long-term outcomes.
Real-Time Fintech Insights
Get timely, contextual insights powered by market signals and merchant intelligence, revealing how economic shifts, fee patterns, and pricing changes affect your cash flow, risk exposure, and savings trajectory, so you can adjust proactively rather than react after the statement closes or balances dip unnecessarily.
Market-Aware Spend Forecasts
We blend economic indicators, seasonality, and your historical behavior to forecast upcoming expenses with greater accuracy. When inflation trends, interest rate moves, or fuel price spikes are detected, we quantify likely budget impacts and surface practical adjustments that preserve savings momentum without sacrificing essential quality of life.
Merchant Intelligence
Understand where your money truly goes by analyzing merchant-level detail, subscription renewal schedules, fees, and price creep. We flag duplicate charges, free trials turning paid, and opportunities to renegotiate or switch providers, then simulate the savings impact so you can act confidently and measure results over time.
Income Health Radar
Track paycheck reliability, variable income volatility, and seasonal shifts that affect cash availability. Our radar models worst-case, median, and optimistic scenarios, aligning savings rules and bill priorities accordingly, so your plan stays resilient even when tips fluctuate, commissions vary, or freelance payments arrive later than expected.
Automated Savings Engine
Transform intent into consistent progress using flexible automations that schedule micro-transfers, protect a safety cushion, and adapt contributions to current balances, ensuring every surplus dollar is captured while essential spending and emergency readiness remain fully safeguarded without manual intervention or budgeting burnout.
Round-Ups and Micro-Transfers
Enable effortless accumulation by rounding everyday purchases to the nearest dollar and transferring the difference into goals. Layer percentage skims on deposits or card rewards conversions for extra lift, with dynamic throttling that pauses during tight weeks and accelerates during surplus periods to maximize sustainable momentum.
Goal-Based Buckets
Create separate buckets for emergencies, travel, debt prepayment, and big purchases, each with timelines, target amounts, and visual progress. Our engine allocates contributions using priority weighting, automatically rebalancing when goals are ahead or behind, so your money always works on the most impactful next dollar.
Safety Net Automation
Avoid overdrafts and surprise shortfalls with guardrails that check live balances before every transfer, maintain configurable minimums, and backstop upcoming bills. If risk rises, we pause contributions or reverse recent transfers, protecting essential payments while preserving long-term momentum through adaptive, rules-based control.
AI Budget Coach
Receive conversational guidance, context-rich explanations, and plain-language recommendations tailored to your habits, goals, and constraints, so you understand trade-offs, choose the most effective actions, and build financial confidence without deciphering jargon or hunting through complicated charts and settings screens.
Conversational Guidance
Ask natural questions about spending spikes, unexpected fees, or how much you can safely save this week. The coach explains drivers, compares options, and drafts actionable steps you can approve with one tap, transforming complex analysis into clear, supportive coaching personalized to your real-life priorities.
Adaptive Recommendations
As conditions change, the coach recalibrates your plan, suggesting right-sized transfers, budget tweaks, or subscription cancellations before they erode progress. Recommendations include quantified outcomes, confidence levels, and alternatives, empowering you to choose an approach that fits both your risk tolerance and timing preferences.
Integrations and Security
Connect major banks, cards, and wallets through secure, read-only integrations and protect your account with modern security architecture, including encryption, strict access controls, and continuous monitoring, so your financial data stays private while insights remain accurate, fresh, and actionable throughout each day.
Bank and Card Connections
Link popular institutions within minutes using secure flows that never expose credentials to our servers. We support multiple currencies, joint accounts, and pending transaction updates, providing a comprehensive, real-time view that powers faster reconciliations, smarter forecasts, and safer automations across all your financial activity.
Security Architecture
Your data is protected with encryption at rest and in transit, robust key management, granular permissions, and audit logging. We employ anomaly detection, role-based access, and routine security reviews, ensuring the platform meets strict standards while keeping performance swift and user experience delightfully seamless.
Exports and API Access
Export categorized transactions, budgets, and insights to spreadsheets or accounting tools with clean, consistent schemas. Developers can use our documented API to programmatically pull reports or trigger automations, extending the platform while preserving strict scopes, rate limits, and secure token-based authentication.
Personalization and Goals
Tailor budgets to your lifestyle by setting goal timelines, constraints, and household profiles, then let our system optimize contributions and safeguards, ensuring day-to-day flexibility while steadily advancing toward the milestones that matter most to you and your family.
Goal Templates and Timelines
Start with templates for emergencies, travel, taxes, and major purchases, then adjust amounts, deadlines, and contribution strategies. We simulate potential paths, spotlight trade-offs, and automatically propose accelerators when you are ahead or catch-up plans when life gets unpredictable and priorities shift suddenly.
Household Profiles
Manage shared budgets with partners or roommates using transparent roles, permissions, and shared goals. Sync multiple income streams, allocate contributions fairly, and maintain personal spending privacy, while still collaborating on the bigger financial picture without confusion or duplicated effort across disconnected apps.
Rule Prioritization Engine
Decide which automations run first using a clear priority stack that accounts for bill due dates, income timing, and goal urgency. We continuously test for conflicts, surface recommendations, and let you override choices, ensuring predictable behavior even when complex rules interact in fast-changing conditions.
Analytics and Reporting
Understand your money with visual dashboards, variance analysis, and drill-downs that tie every recommendation to transparent data, helping you evaluate progress, pinpoint risks, and defend decisions with clear, exportable evidence whenever you need to share results or audit outcomes.
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Track category trends, merchant patterns, and seasonal behaviors, comparing month over month and year over year. Filters reveal underlying drivers, while annotations capture context, such as travel or life events, so the numbers tell a complete story rather than isolated snapshots without meaning.
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Visualize fluctuations in earnings, including commissions, tips, and freelance invoices. Our analysis quantifies the buffer needed to absorb volatility, suggests timeline adjustments for goals, and demonstrates how savings automations can maintain stability without over-constraining your spending during higher-income months.
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See how your budget performed against plan, line by line, with explanations for deviations and suggested corrective actions. We flag overspending early, highlight offsetting underspends, and calculate the minimal changes required to get back on track without sacrificing essential commitments.
Notifications and Alerts
Stay informed with timely alerts that prioritize what matters, from predicted shortfalls and upcoming renewals to new savings opportunities, so you act quickly when action creates outsized value and avoid noisy updates that fail to respect your attention or context.
Smart Threshold Alerts
Receive alerts only when thresholds you set are breached or our models detect material impact. We include context, recommended actions, and expected outcomes, letting you resolve issues with a tap instead of sifting through generic notifications that do not translate into useful decisions.
Upcoming Bills and Renewals
See potential bill conflicts before they occur and get notified when free trials are about to convert. We show alternatives, negotiate suggestions, and pro-rate adjustments, helping you keep essential services while trimming wasteful spend that quietly accumulates in the background.
Weekly Insight Digests
Digestible summaries highlight the week’s biggest financial wins, risks, and opportunities, linking to deeper analysis on demand. You get the signal without the noise, ensuring a confident understanding of what changed and which small actions will unlock meaningful savings next.
Onboarding and Free Trial
Start quickly with guided steps, sample data, and a clear success checklist that demonstrates value within minutes, ensuring your free trial translates into visible savings opportunities, smarter forecasts, and confidence in automations before you commit to a paid plan that fits your needs.
Three-Minute Setup
Create your profile, link accounts, and choose initial goals in a streamlined flow designed for clarity and speed. Our defaults are evidence-based, but every decision is transparent and reversible, so you learn the system while immediately benefiting from well-calibrated recommendations.
Sample Data Sandbox
Experiment safely using realistic sample data that mirrors common scenarios, from seasonal income to rising subscription costs. Test rules, compare strategies, and preview insights without touching your real accounts until you are comfortable with how the automation and forecasting work together.
Success Checklist
Follow a practical checklist that validates connections, confirms categories, sets goal priorities, and activates your first automation. Within days, you will see tracked savings, clearer forecasts, and fewer surprises, giving you the confidence that your plan is working as intended.
Pricing and Plans
Choose a plan that matches your needs, with transparent monthly pricing, no hidden fees, and the flexibility to upgrade or downgrade at any time, ensuring you pay only for the insights and automation level that drive measurable value for your situation.
Compliance and Data Privacy
We practice data minimization, explicit consent, and regional compliance, ensuring your information is collected only when necessary, handled responsibly, and deleted upon request, so your privacy and rights remain central to our product design, policies, and internal accountability processes.
Real-Time Insights Subscription
Unlock live forecasts, merchant intelligence, and weekly digests that translate economic signals into practical actions. Ideal for users who want accurate awareness, transparent explanations, and measurable wins without heavy setup. Includes bank connections, category automation, and exportable reports for accountability and sharing.
/month
Automated Savings Orchestration
Activate rules that capture surplus automatically while protecting essentials with minimum balance safeguards and bill-aware scheduling. Perfect for building emergency funds, planning trips, or accelerating debt reduction through small, consistent transfers that compound quietly without demanding constant attention or manual adjustments.
/month
AI Budget Coach Plus
Get conversational guidance, adaptive recommendations, and behavioral nudges tailored to your goals and habits. Includes scenario comparisons, confidence scoring, and one-tap actions that implement changes safely. Best for users seeking clarity, motivation, and hands-on coaching that evolves as life does.
/month
Support and Community
Access responsive human support, rich learning resources, and a community focused on practical, sustainable financial progress, so you can troubleshoot quickly, master new features, and stay motivated alongside peers pursuing similar goals with clarity and kindness.
- Human-Centered Support Reach our team via chat or email and get precise, context-aware help backed by your configuration and recent activity, so issues are understood and resolved quickly. We provide clear next steps, follow-ups, and documentation links to build lasting confidence.
- Learning Library Explore step-by-step guides, videos, and templates that clarify concepts like envelope budgeting, cash buffers, and rules-based savings. Content is updated regularly to reflect product improvements and evolving best practices, helping you translate theory into measurable results efficiently.
- Community Challenges Participate in collaborative savings challenges and habit-building sprints that reward consistency with badges, insights, and occasional perks. Share anonymized wins, learn from peers, and adapt playbooks that fit your lifestyle while celebrating sustainable progress rather than extreme, short-lived changes.
Frequently Asked Questions
What happens during the free trial?
Your free trial unlocks all core features, including bank connections, insights, and basic automations, so you can validate value quickly. We provide a guided checklist, sample data for safe experimentation, and clear progress tracking. No charges occur until the trial ends, and cancellation is available in-app anytime.
How does automated savings avoid overdrafts?
Before every transfer, our engine checks current balances, upcoming bills, and predicted cash flow. If risk appears, we pause, reduce, or reverse transfers automatically. You can set minimum balance thresholds, adjust priorities, and review an audit of decisions, ensuring safety while still capturing consistent, sustainable savings.
Is my banking data secure and private?
Yes. We use read-only connections, encryption in transit and at rest, strict access controls, and audited processes. Credentials are never stored on our servers, and consent is granular and revocable. Data is minimized, retained only as necessary, and export or deletion requests are honored promptly and transparently.
Which banks and cards are supported?
We support most major banks, credit unions, and card issuers through secure integrations. Setup takes minutes, and connections refresh throughout the day for accurate balances and transactions. If your institution is not listed, you can request support, and we will notify you as new connections become available.
How do subscriptions, upgrades, and cancellations work?
Plans are billed monthly with transparent pricing and no hidden fees. You can upgrade or downgrade anytime, with prorated credits applied automatically. Cancellations are handled in-app and take effect at the end of the cycle. We notify you before renewals and highlight the most cost-effective option for your needs.
How accurate are the AI insights and forecasts?
Forecasts use your historical patterns, current balances, merchant trends, and market indicators. We present confidence levels and assumptions, and we continuously learn from new data. While no prediction is perfect, transparency and adaptive updates help you make better decisions and see measurable improvements over time.