FinanceAI: ask anything about your personal or business finances.

FinanceAI is thinking
Agents at work today: 000 Transactions categorized:000 Anomalies flagged:000 Budget rules enforced:000 Receipts auto-filed:000 Tax lots tracked:000 Decisions assisted:000 Subscriptions audited:000
A couple reviewing their finances together on a tablet at their kitchen table

Make your most important decisions with financial intelligence on your side.

FinanceAI connects with 10,000+ financial institutions and apps

Through bank-grade, read-only connectors. Banks, brokerages, payroll, accounting, and the apps your business already runs on.

Connectors
+
FinanceAI + your apps

Pick an app on the left.

FinanceAI will pull live data and answer the questions that app is built to answer, in plain English, with sources.

10,000+ integrations across banks, credit, loans, brokerages, payroll, accounting, bookkeeping, and crypto.

Personal Finance

Your full picture, in one place,
every scenario.

Financial decisions, resources, and financial agent intelligence you can count on. Make your most important decisions with financial intelligence on your side.

Woman holding sunflowers with her eyes closed in golden light

Knows every account you hold.

Checking, savings, brokerage, retirement, debt. All in one view that thinks across them. Most people have five accounts and one problem: no one is watching all of them at once.

Calibrated to your life.

Advice that fits your timeline, your obligations, and your real risk tolerance.

Models decisions before you make them.

"What if I max my 401(k) instead of paying off the car?" Run the scenario against your numbers and get the reasoning, not just a chart.

What if

You invested $500 a month for 25 years.

Projected balance
$472,000
$322,000 in growth, on $150,000 contributed.
Today12y25y

Business Finance

Radically different business finances.

Businesses rely on a mix of a bookkeeper, a banker, a tax preparer, and a spreadsheet. None of them sees the full story in real time. Our Business Finance product is the operator who does. It looks across your accounts, cash flow, payroll, expenses, and future income all at once. Then it helps answer questions that drive growth and strategic alignment with your business goals.

Learn more

The finance scoreboard.

Updated 4 min ago · trailing 30 days
CAC payback
5.8 mo
↓ 2.6 mo QoQ
LTV : CAC
4.2×
↑ 1.1× QoQ
ROAS
3.4×
↑ 0.3× QoQ
DAU / MAU
42%
↑ 6 pts MoM
Channel Spend CAC payback LTV : CAC · 3× is healthy Action
Self-serve / SEO $0 2.1 mo 6.8× Double down
Referral program $4K 3.2 mo 5.2× Scale incentive
TikTok $26K 4.8 mo 4.8× Lean in
LinkedIn $36K 7.1 mo 3.6× Hold
Google paid search $74K 6.4 mo 3.4× Cap budget
Meta $48K 9.2 mo 2.8× Below threshold
Outbound sales $58K 11.4 mo 2.6× Rethink ICP
Snap retargeting $12K 14.0 mo 1.4× Cut this week
FinanceAI noticed: Snap retargeting has been below the 3× LTV:CAC floor for 9 weeks. Reallocating its $12K/mo to TikTok would add an estimated +$47K in payback-adjusted ARR next quarter.
Operating cash
$1.42M
↑ $84K WoW
Runway
17.3 mo
↑ 1.1 mo QoQ
Net burn
$82K/mo
↓ $11K MoM
AR − AP
+$214K
↑ $48K WoW
Account Type Balance Utilization vs. policy · ≤ 100% is healthy Status
Mercury · Operating Checking $612K 98% On target
Mercury · Treasury (T-bills) 4-week T-bill $540K 5.2% APY Yielding
Mercury · Tax reserve Savings $184K 102% Fully reserved
Wells Fargo · Payroll Checking $472K 312% Idle · sweep
Stripe · Pending payouts In transit $128K 2-day avg On schedule
Amex · Corporate card float Charge card −$96K 74% of limit Statement Oct 28
FinanceAI noticed: $312K is parked at 0.1% in Wells Fargo Payroll, above the 2-cycle cushion. Sweeping the excess into 4-week T-bills at the current curve yields +$11.6K/yr at zero counterparty risk. Ready to schedule.
Gross margin
68%
↑ 2 pts QoQ
Contribution margin
51%
↑ 3 pts QoQ
COGS
$612K/mo
↑ $42K MoM
R&D ratio
18%
↓ 1 pt QoQ
Product line Revenue COGS Gross margin · 60% is healthy Status
Enterprise tier $684K $144K 79% Expand
Pro tier (SaaS) $418K $132K 68% Stripe-fee dip
Starter $192K $57K 70% Healthy
API metered usage $96K $54K 44% Reprice tokens
Onboarding services $58K $41K 29% Packageize
Marketplace $24K $21K 13% Sunset Q1
FinanceAI noticed: Pro tier margin slipped 4 pts after the Stripe fee hike. A v3 pricing tweak, raising Pro by $5/mo while annualizing the discount, absorbs it entirely. Modeled churn lift stays under 1.8%.
Total FTE
142
↑ 8 QoQ
Payroll cost
$1.68M/mo
↑ $94K QoQ
Comp ratio
47% of rev
↓ 2 pts QoQ
Open reqs
11
3 backfills · 8 net new
Team FTE Cost / mo Cost vs. peer band · 100% is at-band Status
Engineering 68 $842K 96% +4 open
GTM (Sales + Marketing) 31 $362K 112% +3 open · 90 d
Customer success 18 $184K 94% +2 open
Ops & Finance 12 $148K 98% Stable
G&A 8 $96K 92% +1 backfill
Leadership 5 $48K 128% Equity-heavy
FinanceAI noticed: 3 of your 5 open GTM reqs are 90+ days unfilled in the Bay Area at the current band. Opening San Diego trims $38K/yr/seat; your last two hires there both ramped to quota in 6 months.
Total AR
$614K
↑ $42K MoM
DSO
38 days
↑ 4 days MoM
> 30 days late
$142K
↑ $28K MoM
Collection rate
94%
↓ 1 pt MoM
Customer Amount Days late Aging bucket · < 30 days is healthy Action
Atlas Synthetics $48K 14 d Current No action
Bowery Capital $36K 22 d Current Reminder sent
Cascade Health Group $62K 38 d 30–60 days Call AP
Dunn & Co. $24K 42 d 30–60 days Escalate to CFO
Ember Logistics $31K 68 d 60–90 days Pause account
Foxglove Press $18K 94 d > 90 days Collections
FinanceAI noticed: $142K is over 30 days late, concentrated in 2 customers. Drafting personalized AP follow-ups that cite their PO numbers and historical payment cycles typically recovers 62% within 7 days. Ready to send.

Enterprise Finance

Built for the Fortune 500 finance organization.

A $50B revenue company runs on hundreds of legal entities, thousands of vendors, and dozens of currencies. The close still takes twelve days. Treasury can't see real-time cash. FP&A spends Monday through Wednesday stitching exports together before anyone gets to analyze a number. We rebuilt the stack the modern enterprise finance organization actually needs, with the rigor an audit committee expects.

Learn more

Multi-entity close, in days not weeks.

Hundreds of legal entities, multiple GLs, currency translation, intercompany eliminations, top-side adjustments. All replayed against the last close, with a complete audit trail.

Cash and FX, in one window.

Real-time positions across every bank account, in every currency, mapped to operating, restricted, and pledged. FX exposure surfaced before it hits the P&L.

SOX, rebuilt for continuous audit.

Key controls mapped across NetSuite, Workday, Coupa, and Salesforce. Segregation-of-duties conflicts surfaced the day they're created, not the quarter after.

Financial performance chart Global corporate towers Audit documents and reports

Agent Finance

Money you can trust software with.

AI agents now book travel, buy compute, subscribe to APIs, and pay contractors. Most do it through a shared company card and a lot of hope. Watch what changes when every agent has its own wallet, its own rules, and its own paper trail.

Agent Coordination & Approval Streaming agent decisions
Agents
research-bot-04
Wallet · $1,240 / $2,000
ops-bot-12
Wallet · $380 / $500
sales-bot-07
Wallet · $920 / $1,500
data-bot-21
Wallet · $4,610 / $5,000
Policy
policy.ts
if (txn.category === "compute")
  allow(500, "monthly");
if (txn.amount > 200)
  require("human");
deny("subscription");
deny("crypto");
Decisions
Active agents
42
across 6 workflows
Decisions today
1,284
avg 12ms each
Spend · 30d
$8,420
100% within policy
Violations
0
last 30 days
Wallet per agent Policy as code Attributed ledger SDK · Python & TS SOC 2

Wallets, not shared cards.

Every agent gets its own funded wallet. Top up, freeze, revoke. Your operating account never touches the workflow.

Policy decides before the swipe.

Rules run at request-time, not after the bill arrives. Approve, escalate, or deny in milliseconds, with a reason attached.

Every dollar has a story.

Agent, run, prompt, policy that allowed it, transaction. One thread per dollar. Auditors love it. Engineers ship faster.

The AI difference. Even more reasons the numbers add up.

Active intelligence. AI, machine learning, and the most advanced agent harness, working in real time.

Agents on the job. Context-aware AI that watches your finances and automates the busywork.

Model any scenario. Run “what if” plans and stress-test decisions before you commit.

Audit-ready, always. Accurate, traceable numbers, so filings and reports stay smooth and assured.

One system, end to end. Personal, business, and agent finance, working together seamlessly.

Expertise on tap. A private wealth advisor and fractional CFO, from the day you sign up.

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Understand what matters

Go beyond the traditional financials and understand company-specific business segments and KPIs. No more guesswork or manual collection of the metrics that move the needle.

We help you face the future of finance.

Trusted by people and businesses across the globe.

$2.5 billion+
IN FINANCES OPTIMIZED
50+
Financial vehicles
7+
Countries
250,000+
Financial goals reached

Get started with FinanceAI

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