AI-Powered Financial Coaching

Your money. Your principles.
Your future.

My Money is the AI financial coach that doesn't just track your spending — it challenges you to spend consciously, build reserves, and grow capital.

Start Free See how it works

3

Core Principles

100%

Your Data

24/7

AI Coach

Free

To Start

The Foundation

Built on 3 Timeless Principles

Most finance apps show you numbers. My Money teaches you to think about them.

Prudent Reserve

Before you spend a single dollar, ensure your foundation is rock-solid. Emergency funds, low utilization, and a clear runway.

3-6 months emergency fund tracking
Credit utilization monitoring
Reserve health score (1-5)

Conscious Spending

Every dollar should earn its place. Spending isn't bad — unconscious spending is. Every purchase should serve a real benefit.

5 benefit dimensions: Economic, Social, Spiritual, Physical, Mental
Impulse pattern detection
AI questions your spending (not judges)

Capital Growth

Every decision is an opportunity to create income and grow wealth. Track what's working and double down.

Income trend tracking
Savings rate monitoring
Growth spending detection

Features

Everything you need. Nothing you don't.

Bank Sync

Connect any bank via Plaid. Transactions sync automatically.

AI Coach

Claude-powered coach that asks questions, not just shows numbers.

Bill Tracker

Auto-detects subscriptions. Knows when bills are due.

Goal Setting

Set savings goals with progress tracking and deadlines.

Reports

Spending trends, income vs expenses, category breakdowns.

Debt Manager

Avalanche & snowball payoff strategies with calculators.

Net Worth History

Track your net worth over time with automatic snapshots.

PWA / Mobile

Install on your phone like a native app. Works offline.

Privacy First

Blur amounts with one tap. Your data, your control.

The AI Difference

It doesn't judge. It questions.

Most finance apps say "you overspent." My Money asks "did that spending serve you?"

MyMoney AI3-Principle Coach
I noticed you visited Starbucks 11 times this month for $68. That's a ritual. Which of your values does it serve — Social? Mental? Just habit?
Honestly it's mostly habit. Maybe social sometimes.
No judgment — that's $816/year. What if you kept the social visits but replaced the solo ones with making coffee at home? That redirects ~$500/year toward your Capital Growth.

Asks, doesn't lecture

The AI uses curiosity, not criticism. It asks which values your spending serves.

Pattern recognition

Detects impulse habits, subscription creep, and category spikes before you notice.

Principle-based

Every insight ties back to Prudent Reserve, Conscious Spending, or Capital Growth.

Ready to be intentional
with your money?

Stop tracking. Start thinking. My Money gives you the principles, the data, and the AI coach to transform your financial life.

Get Started — It's Free