Everything you need to master your money
Six capabilities that work together to detect recurring obligations, forecast upcoming charges, and turn your spending into informed decisions.
Plain-language insight into your recurring money
The AI CFO reviews your recurring commitments and transactions and explains them in plain language — surfacing overlapping services, rising costs, and patterns worth a closer look. It is informational analysis to support your decisions, not financial, legal, or tax advice.
- Plain-language analysis of your money
- Patterns and opportunities worth reviewing
- Context-aware, explainable insights
AI CFO
Plain-language insight · not financial advice
You have 3 overlapping streaming services totaling $44/mo. One looks unused — flagged for review before its next renewal.
Recurring trend
This month
$1,284 +3.2%
vs $1,244 last month
Detect every recurring commitment
A multi-signal detection engine scans your transactions for recurring patterns and surfaces each commitment — subscriptions, bills, loans, card payments, BNPL, and recurring P2P — with a confidence score, cadence, amount, and next-charge date, separating confirmed obligations from items that need review.
- Multi-signal recurring detection
- Confidence scores & next-charge dates
- Confirmed vs. needs-review separation
Recurring obligations detected
Subscriptions, bills, loans, cards, BNPL & P2P
Auto loanConfirmed
Loan · monthly · next Jun 22
Card paymentConfirmed
Credit card · variable · next Jun 19
StreamingConfirmed
Subscription · monthly · next Jun 22
BNPL planConfirmed
Installment · biweekly · next Jun 24
Recurring P2P OUTNeeds review
One observed charge · needs more evidence
Understand where your money goes
Your spending is automatically categorized and visualized so you can see your recurring spend by category, track it over time, and immediately spot what’s growing.
- Automatic categorization
- Category & trend breakdowns
- Rising-cost detection
Spending analysis
Where your recurring money goes
Secure, read-only bank connection
Connect your bank through Plaid — the trusted financial data network. You authenticate directly with your bank; we receive a revocable, read-only token. Your credentials never touch our servers, and we can never move money.
- Bank login stays inside Plaid
- Read-only, revocable access
- Encrypted token storage (AES-256-GCM)
Welcome back, Alex
Financial Overview
Monthly obligations
$1,284
counted total
Confirmed
18
evidence-backed
Needs review
5
not counted
Recurring obligations · last 6 months
Top obligations
Auto loanConfirmed
Loan · monthly
Card paymentConfirmed
Credit card · monthly
StreamingConfirmed
Subscription · monthly
Never get surprised by a charge again
See upcoming recurring charges before they hit, with due dates and weekly totals. SpendIntel AI keeps your transaction history in sync so your picture is always current.
- Upcoming-charge forecasting
- Due-date & weekly totals
- Always-synced history
Upcoming obligations
See what's due before it leaves your account
Card paymentConfirmed
today · Jun 17
StreamingConfirmed
in 5 days · Jun 22
Trial → first billProjected
in 6 days · Jun 23 · est.
Auto loanConfirmed
in 9 days · Jun 26
Insights that drive decisions
From recurring-spend trends to items worth reviewing, SpendIntel AI turns raw transactions into a clear, prioritized view of your recurring financial life — so every decision is an informed one.
- Recurring-spend trend monitoring
- Prioritized items to review
- A single source of financial truth
Spending analysis
Where your recurring money goes
Ready to see your money clearly?
Connect an account and get your first insights in minutes.