Get started in 60 seconds
Secure bank connection. Instant dashboard. No complicated setup.
Step 01
Connect with Plaid
Secure bank link. Your credentials never touch our servers.
Step 02
Launch Cockpit
Instant dashboard with charts, forecasts, AI insights.
Step 03
Understand
AI analyzes patterns and explains what changed - with citations.
Step 04
What-if Planning
Use scenarios and AI recommendations to optimize.
Smart Categories
Debug Your Spending.
Drill down into transaction logs. Filter by category, merchant, or date. Spot the cash leaks in your wallet instantly.
Scenario Mode
Your financial sandbox.
Test anything.
Four powerful tools to pressure-test any financial change. The golden scenario line shows exactly how changes affect your trajectory—before you commit.
CUT SPENDING OR ADD EXPENSES
NOW
$400
WITH CHANGES
+$120
Cut spending by %, set caps, add income, or model one-time & recurring expenses.
Add loans (car, mortgage, student) and see payoff timelines with extra payment scenarios.
Set savings goals with target dates. Track progress and see if you're on track.
Describe ANY life change in plain English. AI asks questions, then generates all adjustments.
Test any change
before you commit.
Drag the sliders to see how spending changes affect your forecast. The chart updates in real-time.
Monthly Savings
+$0
/month
Bill Calendar
See every bill on a calendar view with projected balances.
Know exactly when bills hit, what your balance will be each day, and spot danger zones before they happen. Color-coded risk levels make it instant to see if you'll be safe until your next paycheck.
The calendar combines your recurring bills, expected paychecks, and daily spending to project your balance forward. Spot a red day? You have time to move money or delay a payment.
February 2026
Forecast Confidence
Know how much to trust your forecast — and why.
Most apps give you a single number and hope you believe it. Money Terminal shows best, expected, and worst case scenarios with a confidence score that explains exactly what's driving uncertainty.
Instead of hiding uncertainty behind a single number, the forecast widget shows you the full range and tells you which spending categories are most unpredictable. More data = higher confidence = better decisions.
Why uncertain?
Recurring Detective
Auto-detect subscriptions and price creep alerts.
The system automatically detects recurring charges from your transactions. Get alerted when a subscription's price increases, and preview canceling multiple at once to see the impact.
Select subscriptions and hit "Preview Cancel" to see savings in Scenario Mode. Nothing actually cancels—it just shows how it would affect your forecast.
Netflix
+15%Spotify
Adobe CC
Gym Membership
Select subscriptions + "Preview Cancel" to see savings (nothing actually canceled)
Explain Drawer
Click any number to see
what's behind it.
The Explain Drawer shows exactly what transactions make up any total. Click a stat card, category bar, or AI citation to drill down instantly.
Dining: $482
January 2026
$482.00
23 transactions in Dining this month
$156
+$45
$89
+$12
$67
$0
Every number in the dashboard is clickable. Stat cards, category bars, AI citations—they all open the Explain Drawer so you can verify exactly where a total comes from. No black boxes.
AI Copilot
Not another AI slop chatbot.
Tired of generic AI tools that hallucinate numbers and give vague advice? Our copilot is different—every response links to your actual data so you can verify it yourself.
No generic "save money on coffee" advice. No made-up numbers. No unverifiable claims. Just citations to your real transactions.
Privacy & Security
Bank-level security with Plaid.
Connect securely through Plaid - powering data access for apps like Robinhood, Venmo, and Betterment. Your credentials are never stored on our servers.
Privacy tiers let you decide exactly what the AI copilot can see. Change tiers anytime - your data, your rules.
AI sees: $3,500 income, $2,330 spending
AI sees: Dining $482, Groceries $312...
AI sees: Chipotle $65, Uber $28...
Change tiers anytime. You control what the AI can see.
Pricing
Stop Renting Your Finances.
Own your financial future.
Lifetime
Founder's Edition — Price increases soon
Early Bird — Saving $200Price increases to $499 after v2.0 launch
- Everything in Annual
- Lifetime access
- Immune to all future price hikes
- All future Pro features included
Pays for itself in 2.5 years vs. YNAB
Get Lifetime AccessAnnual
Save 45% versus monthly
Just $8.25/month
- Everything in Monthly
- Priority support
- Early access to new features
- Save $81 per year
Monthly
Full access with 7-day free trial
- Unlimited bank connections
- AI-powered insights*
- Scenario planning
- Forecast projections
The ‘Rent vs. Own’ Math
Don't get tricked by $1 introductory offers that renew at $100+. The Founder's Edition has no renewal dates. Ever.
Lock in your price today. Immune to future inflation.
*Fair use policy: Up to 50 AI requests per day.
Ready to see your
financial future?
7-day free trial on monthly and annual plans.