My AI Fin App

Net worth · Budget · Spending · Debt payoff · Alerts

All your money in one place. None of it for sale.

Connect every account through Plaid, or type it in. Net worth, budget, spending and your debt-free date, refreshed every night, with an alert the moment something needs you. On your phone and on the web.

Start free

No credit card. No ads. Your data is never sold. Pro is free during early access.

Net worth

$48,210

+$3,140 · 90 days

Sample data

Assets $78,410 · Debts $30,200

Debt-free

Apr 2030

70 months sooner

Safe to spend

$612

9 days until payday

Chase · Ally · Fidelity · Navient

4 institutions · synced 3:30 AM

Alert · just now

Large charge: $412.80 at Best Buy

  • Bank sync by Plaid
  • Encrypted in transit and at rest
  • Two-factor sign-in
  • Export or delete any time
  • iPhone, Android and web

The honest part

A free money app still has to make money. Usually off you.

Bank connections cost real money every month. When an app charges nothing, that bill gets paid some other way: your transactions sold on to data partners, "recommended" credit cards and loans that earn a referral fee, or ads built from what you buy.

  • They sell your data

    "Aggregated", "anonymised", "shared with partners": the words change, the trade doesn't. Your spending is the product.

  • They sell you products

    That card offer at the top of the dashboard is there because someone paid to put it there, not because it's right for you.

  • They sell your attention

    Ads need you scrolling. An app paid for by ads is built to keep you in it, not to get you out of debt.

How we make money

Pro. $5.99 a month, or $49 a year, for automatic bank sync. That is the whole list. Everything you can type in by hand is free for as long as you use it, with no ads, no offers and no selling your data, ever.

  • No ads
  • No "recommended" offers
  • No data sold
  • No credit card to start
See pricing

One app

Every account. Every bill. One picture.

Checking, savings, cards, loans, the mortgage, the brokerage, the house. Connected or typed in, it all lands in the same place and stays current.

Connected institutions

Synced 3:30 AM

  • Chase

    Checking · Credit card

    2 accounts

  • Ally

    Checking

    1 account

  • Navient

    Loan

    1 account

Connect all your accounts

Link your banks through Plaid and balances, transactions and your cards' real APRs refresh every night. Prefer to type it in? Manual entry is a first-class path, not a fallback.

Net worth

$48,210

+$3,140 · 90 days

Assets $78,410 · Debts $30,200

Net worth, recorded daily

Assets minus debts, every day from the day you sign up, with milestones on the way to your target.

Safe to spend

$612

of $2,400 budgeted

$41 a day for the next 15 days

Upcoming

  • 1Rent-$1,450
  • 5Payday+$2,140
  • 12Car payment-$312

A budget on real dates

Income by pay schedule, bills by due date, and a safe-to-spend number that already knows what's coming before payday.

Spending

1 to review

  • Trader Joe's

    Groceries

    -$84.12

  • Netflix

    SubscriptionsRecurring

    -$15.49

  • Shell

    GasReview

    -$52.30

  • Paycheck

    Income

    +$2,140.00

Spending that sorts itself

Transactions land categorised. Write a rule once and it applies forever. Recurring charges are spotted on their own.

Alerts

  • Large charge

    Just now

    $412.80 at Best Buy

  • Checking is running low

    Today

    $184 left, $377 in bills due before payday

  • Chase stopped syncing

    Yesterday

    Reconnect to keep balances current

Weekly digest · Mondays, 8 am

Smart alerts

A large charge, an account running low, a bank that stopped syncing: an email the moment it happens. Everything else in one digest, on your schedule.

Emergency fund

68%

$6,800

$6,800 of $10,000

$3,200 to go

Goals that move on their own

An emergency fund, a trip, a down payment. Link an account and the bar fills by itself.

Members

  • AlexOwner
  • JordanMember
  • SamViewer

Comment on a transaction

Jordan: That was the vet, not groceries. I moved it.

Shared with your household

Invite a partner. Everyone sees the same numbers, with owner, member and viewer roles.

See every feature in detail

Debt payoff

See the day you'll be debt-free

Most money apps treat debt as one more category. Here it gets a plan of its own, and the plan tells you the truth. Move the slider: the date and the interest move with it.

  1. Honest about minimums

    Cards get a planning payment that actually shrinks the balance, not the bank's grace-period minimum that goes on forever. When a payment can't cover its own interest, the app says so, by name.

  2. Try extra payments before you make them

    Snowball or avalanche, any extra amount. Every payment you free up rolls to the next debt automatically. The date and the interest update as you move the slider.

  3. Every kind of debt, with the details that matter

    Promotional APRs with end dates. Mortgages with escrow, taxes, and PMI. Auto loans with a VIN lookup. Student loans, personal loans, anything with a balance.

How it compares:vs YNABvs Monarch Moneyvs Rocket Moneyvs Mintvs Copilot Money

Payoff plan

Sample data

Debt-free

Apr 2030

43 months · 70 months sooner

Total interest

$4,838

Saved vs. minimums only

$5,071

Extra each month$200

Highest rate first. The least interest.

Payoff order

1Rewards Visa$6,240 · 24.99%

Paid off May 2028

2Car loan$11,800 · 6.9%

Paid off Mar 2029

3Student loan$14,500 · 5.5%

Paid off Apr 2030

Same math as the calculator inside the app. Every payment you free up rolls to the next debt.

Try it with your own numbers

AI, on your terms

Ask Claude about your money. Don't hand Claude your money.

You could export statements and paste them into a chatbot. Then the model has everything, for good, and does the arithmetic itself. Or connect the assistant you already use to My AI Fin App: it asks a question, the app answers from your numbers, and you decide how much it is allowed to touch.

Pasting statements into a chatbot

  • Every transaction and every merchant, kept in the chat history
  • The model does the math itself, and sometimes gets it wrong
  • No way to take it back once it's uploaded

Through the My AI Fin connector

  • Answers to the questions you ask, not a data dump
  • Read-only unless you switch on editing. No payment or transfer tools, ever
  • Your bank login is never involved, and you can revoke access in one click

Assistant

Connected · read-only

You

If I put an extra $150 a month on the Visa, when is it gone?

September 2028. At $150 a month on top of the minimum, the Rewards Visa ($6,240 at 24.99% APR) is gone in 24 months instead of 258 at the minimum alone, and you pay $1,689 in interest instead of $11,860.

Figures from My AI Fin App · read-only

Works with Claude, ChatGPT, Cursor and any assistant that speaks MCP

How the connection works

Everywhere you are

On your phone, on your laptop, in the dark.

Install it from your phone's browser today, with its own icon and full screen. Native iPhone and Android apps are rolling out through the App Store and Google Play. Dark mode, three languages, and alerts that reach you by email wherever you are.

  • iPhone and Android

    Add it from Safari or Chrome in ten seconds. Native apps on the way.

  • Web

    Every feature in any current browser, on any screen size.

  • Light and dark

    Follows your system setting, or pick one.

  • English, Spanish, French

    The whole app, not just this page.

Pro

Connect your banks, or don't.

Link an institution through Plaid and the app refreshes every night: balances, transactions with merchant names, and your cards' real APRs, minimums, and last payments. Prefer to type it in? Manual entry is a first-class path, not a fallback.

  • Debts import with their balance, APR, and minimum already filled in
  • Nightly refresh for everyone in your household
  • Your bank password never touches our servers
  • Disconnect any time from settings

Connected institutions

Synced 3:30 AM

  • Chase

    Checking · Credit card

    2 accounts

  • Ally

    Checking

    1 account

  • Navient

    Loan

    1 account

Security & privacy

Your data is yours

Two-factor authentication

Authenticator-app codes, plus a log of every sign-in and every active session.

Breach-checked passwords

New passwords are checked against known leaks before they're accepted.

Encrypted, never sold

Encrypted in transit and at rest. No ads. No selling your data. Our revenue comes from Pro, not from you.

Export or delete, any time

Download everything as CSV. Delete your account from settings and it's gone.

Read the security page

Pricing

One price. One reason.

Everything you can enter by hand is free, forever. Pro pays for the bank connections, and that is the only thing it pays for.

Free

$0forever

Every feature, entered by hand.

  • Unlimited debts, accounts, and goals
  • Payoff calculator with snowball and avalanche
  • Budget, calendar, and safe-to-spend
  • Spending, categories, and rules
  • Households with roles
  • Two-factor auth, export, three languages
Start free

Pro

Early access: free for now

$5.99per month

or $49 a year

Everything in Free, plus your banks keep it current.

  • Automatic bank sync through Plaid
  • Nightly refresh of balances and transactions
  • Debts imported with real APRs and minimums
  • Transactions categorized and enriched automatically

Everyone gets Pro free while we're in early access. We'll give notice before billing starts, and nothing in Free ever moves behind a paywall.

Start with Pro, free
Compare plans in detail

Questions

Frequently asked

Do I have to connect my bank?
No. Manual entry is a full path: add debts, transactions, and budget lines yourself and every feature works. Connect a bank later if you'd like the app to keep things current for you.
Is it really free?
Yes. Everything you can enter by hand is free, with no ads and no data selling. Bank sync is the Pro feature, and it's included free for everyone during early access. When billing starts we'll give notice, and the free features stay free.
Snowball or avalanche, which should I pick?
Avalanche pays the highest interest rate first and costs the least overall. Snowball pays the smallest balance first and gives you wins sooner. The calculator shows both with the dates and the interest, so you can choose with numbers rather than a rule of thumb.
How does bank sync work, and is it safe?
Connections go through Plaid, the same service most banking apps use. You sign in on Plaid's screen, so your bank password never reaches us. We receive balances and transactions, refresh them nightly, and you can disconnect from settings at any time.
Can I ask Claude or ChatGPT about my finances?
Yes. My AI Fin has a connector (an MCP server) that lets an AI assistant read your data with exactly the access you have in the app, and tidy your transactions if you allow it. Set it up under Settings, Assistants. It is part of Pro.
Can my partner use it with me?
Yes. Create a household and invite them by email. You'll share debts, budget, goals, and transactions, and each member's bank connections feed the same picture. Roles keep it clear who can change what.
Can I take my data with me?
Yes. Export everything as CSV from settings, and delete your account from the same place when you want it gone.
Is there a phone app?
You can install it from your phone's browser today and it works like an app, with its own icon and full screen. Native App Store and Google Play builds are in progress.
See all questions

Fifteen minutes to the full picture.

Connect a bank or type in a few balances. Net worth, budget, spending, your debt-free date and alerts: free to start, with nothing to sell you.

Start freeTry the free calculator

No credit card. No ads. Your data is never sold. Pro is free during early access.