The fees, rates, and fine print they don't explain — surfaced from your own accounts, in plain language, with the source to prove it. So you can understand your money, improve it, and grow.
Every insight becomes part of your growing financial knowledge. Understand the why behind every number, not just the what.
Specialist agents — Quant, Risk, Tax, and a Contrarian that argues the other side — weigh your money from every angle and show their work, so you get the full picture, not just one opinion.
Field-level encryption at rest and TLS in transit. We never sell your data and you can delete it any time.
A seamless transition from tracking to growth.
Connect securely: link your accounts via Plaid with bank-grade security in seconds.
Learn your patterns: our engine identifies hidden fees and optimization opportunities automatically.
Decide with confidence: log decisions and track how they play out — so every choice sharpens your judgment and builds the expertise to act like a pro.
A 360-degree view of your financial health.
Bank and credit cards: automatic synchronization across thousands of financial institutions for unified transaction monitoring via Plaid, Akoya, and Finch.
Investments: aggregate holdings across stocks, bonds, and digital assets with automated performance benchmarking.
Provable answers: every claim links back to IRS, SSA, SEC, or the actual statute — so you can fact-check the advice yourself, not just take it on trust.
Export and vault: encrypted cloud storage for your most sensitive financial documents and tax records — yours, exportable, deletable.
Most money tools are built to talk you out of things. This one prices the decision honestly and hands you the number — what a big purchase really costs, what your finances actually support, and what it does to everything else. Then you decide.
The whole cost, not the payment: a payment is one line out of seven. We add the loan, sales tax, the insurance increase over what you already pay, fuel, maintenance, registration — and depreciation, the largest cost of owning a newer car and the one that never shows up in your transactions.
An envelope built from your surplus: not a percentage of gross income, and not what a lender approved you for. The largest purchase whose full monthly cost fits what is genuinely left over — bounded by the cash you can actually reach, because a retirement account is not a down payment.
What it does to everything else: before you buy, see the effect on your savings rate, liquidity, debt load, and emergency fund. A purchase that fits the budget can still be the wrong one, and you deserve to know which before the money moves.
Real listings, inside the envelope: not a range and a suggestion. Actual vehicles for sale within the number you just computed, each linked back to the listing it came from, with the VIN checked against the federal vehicle database.
Professional frameworks for every portfolio size.
Understand what advisors really do — then decide with confidence, whether you go it alone or work with one.
Manage clients with elite tools. Sophisticated reporting, direct messaging, and white-labeled dashboards designed for high-performance advisors and CPAs.
A dedicated CPA and advisor portal, granular client-controlled access, and real-time financial snapshots — read-only by default.
Every user's data is encrypted with their own key — even a database breach yields no plaintext. Bank credentials never touch our servers, and answers carry a provenance trail you can trace back to the source.
Per-user encryption, traceable provenance, MFA and passkeys, Plaid-protected connections, and SOC 2 in progress.