SmartBudget AI: Subscription-Based Personalized Budgeting with Automated Savings and Real-Time Spend Insights
SmartBudget AI helps you control spending, automate savings, and plan confidently by combining secure bank connections, adaptive budgets, and live insights; our subscription platform learns your habits, anticipates cash flow, and delivers practical recommendations that reduce stress and accelerate progress toward your financial goals.
About SmartBudget AI
We are a product-led financial technology team committed to practical money management for real people. By combining privacy-first data practices with adaptive models, we replace stress and spreadsheets with clarity, automation, and steady progress toward what matters most.
How SmartBudget AI Works
Connect your accounts securely, let our models categorize transactions in real time, receive a personalized budget with dynamic envelopes, and watch automated savings rules move money toward your goals while proactive insights keep you aligned without manual spreadsheets or guesswork.
Unified Account Aggregation
We connect securely to your checking, savings, and credit accounts using bank-grade APIs, normalize disparate data into a consistent schema, and enrich transactions with merchant metadata, enabling accurate categorization, dependable balances, and a precise starting point for personalized budgeting and forecasting.
Behavior-Aware Budget Modeling
Our budgeting engine analyzes historical income, recurring bills, seasonal patterns, and discretionary habits to build adaptive envelopes that reflect real life, then continuously adjusts allocations as your circumstances shift, balancing flexibility with discipline to keep spending aligned with meaningful priorities.
Continuous Learning Feedback Loop
Each categorized transaction, user correction, and achieved goal trains the model to better predict future spending and cash flow, improving recommendations, alert thresholds, and savings timing, so guidance progressively becomes more accurate, personal, and genuinely helpful over weeks and months.
Personalized Budgeting Engine
Your budget adapts to irregular income, changing commitments, and evolving priorities; envelope targets update based on context, and spending flexibility is preserved through buffers, smart rollovers, and goal-aware tradeoffs that reduce friction while maintaining consistent progress.
Contact usHandling Irregular and Variable Income
We detect pay variability, average baseline inflows, and estimate safe-to-spend windows using volatility bands, preventing premature allocations and overdrafts while still reserving for essential bills, quarterly taxes, and future obligations without requiring constant manual adjustments.
High-Precision Categorization
Our merchant intelligence blends names, MCC codes, location data, and learned patterns to classify transactions accurately, then highlights anomalies for quick review, enabling clean reports and reliable envelope tracking that supports meaningful decisions instead of noisy, inconsistent dashboards.
Dynamic Envelopes and Rollovers
Envelope targets adjust for seasonality, planned events, and recent trends; unspent amounts roll over intelligently, while overspend triggers recommendations for temporary rebalancing across categories, ensuring budgets stay realistic, supportive, and resilient to normal life variability.
Automated Savings
Define goal timelines, priorities, and comfort thresholds; SmartBudget AI schedules transfers when cash is available, accelerates contributions after under-spend, pauses during risk periods, and uses round-ups or sweep rules to grow savings without noticeable lifestyle disruption.
Rules, Triggers, and Safety Nets
Create rules like payday sweeps, surplus skims, and category-based triggers; our risk checks validate balances, upcoming bills, and expected inflows before moving funds, with automatic pause conditions to safeguard liquidity during unusual activity or income uncertainty.
Round-Ups and Pay-Yourself-First
Micro-savings from purchase round-ups build momentum without strain, while pay-yourself-first transfers reserve money for goals before discretionary spending, reinforcing habits that compound over time and reducing reliance on end-of-month leftovers that seldom materialize.
Real-Time Spend Insights
Monitor spending as it happens, view merchant-level breakdowns, and spot trends before they become problems; our live feed, anomaly detection, and predictive cash flow help you course-correct quickly and stay confident between paychecks.
Starter: Personalized Budgeting Essentials
Ideal for individuals beginning their financial reset, Starter includes secure bank connections, accurate categorization, dynamic envelopes, goal tracking, round-ups, and proactive alerts. It delivers meaningful clarity without complexity, helping you build momentum and confidence within days.
.99/month
Premium: Automation and Forecasting Power
Designed for users wanting deeper control, Premium adds advanced cash flow forecasting, custom savings rules, subscription management, priority support, and expanded account limits, turning insights into automated actions that protect liquidity while accelerating progress toward ambitious goals.
.99/month
Family & Teams: Shared Budgets and Controls
Built for households or small teams, this plan includes shared envelopes, roles and permissions, approval workflows, split rules, and joint goal tracking, providing transparency and coordination without compromising individual privacy or financial autonomy.
.99/month
Bank and Card Integrations
Connect major banks and credit cards through secure aggregators, maintain persistent connections with tokenized credentials, and enjoy automatic reconciliation, balance checks, and multi-currency normalization for a complete, reliable financial picture inside one streamlined workspace.
Seamless Connections and Refresh
We partner with leading aggregators to enable stable, consented access; background refresh keeps balances and transactions current, while reconnection prompts and status health checks ensure reliability without manual downloads or periodic spreadsheet imports.
Multi-Account and Multi-Currency Support
Track multiple checking, savings, credit, and investment accounts in one place; foreign transactions are converted with transparent rates, and category budgets reflect native currency realities so planning remains coherent across borders and travel.
Accurate Balance and Pending Logic
We distinguish pending from posted transactions, update envelope availability accordingly, and prevent double counting, ensuring that spending decisions rely on accurate, up-to-the-minute information rather than stale snapshots or optimistic assumptions.
Security and Privacy
Your data is encrypted in transit and at rest, access is strictly permissioned, and privacy controls are transparent; we never sell personal data, and you can revoke connections, export records, or delete your account at any time.
Encryption and Key Management
TLS protects data in transit, AES-256 secures data at rest, and keys are stored in hardened modules with rotation policies; sensitive credentials are tokenized, minimizing exposure while maintaining reliable connectivity to your institutions.
Compliance and Monitoring
We follow industry standards, implement least-privilege access, and maintain comprehensive audit trails; continuous monitoring, third-party risk assessments, and incident response readiness keep your information safe and systems resilient under evolving threats.
Privacy by Design and Control
Consent drives every connection, scopes are explicit, and data usage is explained in plain language; you may review, export, or delete your information, with irreversible deletion supported for full account closure when requested.
Goals and Progress Tracking
Define clear targets for emergencies, debt payoff, big purchases, and investments; SmartBudget AI sequences priorities, measures momentum, celebrates milestones, and intelligently reallocates resources when circumstances shift, keeping motivation high and plans realistic.
Goal Planning and Prioritization
Set timelines, importance weights, and minimum contributions; our planner reconciles constraints against income and essential expenses, creating feasible paths that adjust automatically as new obligations or opportunities appear, avoiding overcommitment and discouragement.
Milestones, Streaks, and Motivation
Visual progress bars, milestone markers, and habit streaks reinforce positive behavior; insights highlight what worked last month and where small tweaks can unlock faster improvement without drastic lifestyle changes, promoting sustainable success rather than short bursts.
Rebalancing When Life Changes
If income dips, bills rise, or priorities change, we re-solve allocations, propose cuts that minimize impact, and pause nonessential savings temporarily, then resume automatically when conditions improve, preserving momentum while protecting day-to-day stability.
Alerts and Recommendations
Receive timely notifications about overspend risks, bill changes, and upcoming shortfalls; recommendations include category tweaks, merchant alternatives, and targeted savings boosts, letting you act decisively before small issues become costly problems.
Proactive, Contextual Alerts
Alerts consider upcoming paydays, scheduled bills, and typical weekly patterns, reducing noise while catching real risks; you choose channels and quiet hours, ensuring help arrives when useful and stays out of the way otherwise.
Actionable Recommendations You Can Trust
Each suggestion includes explanation, projected impact, and one-tap actions to accept, snooze, or dismiss; transparent reasoning builds confidence, while feedback loops refine future guidance to match your preferences and risk tolerance.
Optional Human Coaching
For complex situations, request a coaching session where a certified specialist interprets your data, prioritizes changes, and sets achievable checkpoints, combining human nuance with AI clarity to accelerate results when stakes feel especially high.
Subscriptions and Billing Management
See every recurring charge, detect free trials, and track price changes; SmartBudget AI flags duplicates, suggests cancellations, and estimates yearly impacts so you can prune quietly expensive subscriptions and reclaim meaningful savings quickly.
Onboarding and Data Migration
Start in minutes with guided setup, import past transactions for context, and map categories to our taxonomy; we generate an initial budget on day one and refine it rapidly as fresh data arrives.
Guided Quick-Start Wizard
Answer a handful of plain-language questions about income, bills, and goals; we configure envelopes, connect accounts, and set sensible defaults so your first week requires minimal effort yet yields meaningful clarity immediately.
Historical Import and Cleanup
Import CSVs or connect accounts to pull up to two years of history; our cleanup tools merge duplicates, fix merchants, and backfill categories, producing trustworthy baselines for accurate trend analysis and forecasting.
Thirty-Day Habit Formation Plan
Lightweight check-ins, weekly summaries, and small challenges help establish sustainable routines; by day thirty, most users understand patterns, trust alerts, and feel organized without spending hours reconciling spreadsheets or receipts.
Shared Budgets for Families and Teams
Collaborate with partners or small teams using permissioned views, shared envelopes, and approval workflows; align spending, set joint goals, and maintain transparency without sacrificing individual privacy or autonomy.
Community, Education, and Support
Get help when you need it through our help center, webinars, and responsive support; learn proven strategies, master the product quickly, and influence the roadmap through feedback programs and user councils.
Help Center and Guided Tutorials
Step-by-step articles, interactive tours, and searchable FAQs make onboarding and troubleshooting straightforward, with in-product tips that appear exactly where and when they are most useful for the task at hand.
Live Webinars and Office Hours
Join weekly sessions to learn budgeting techniques, see advanced features in action, and ask questions live; recordings and templates are shared afterward so you can apply lessons immediately.
Roadmap and User Feedback Loop
Vote on upcoming features, beta test improvements, and share suggestions directly with the product team; your insights meaningfully shape priorities, ensuring the platform evolves with your real-world needs.
