Powered by Groq + Llama 3.3 — free, fast AI for complex financial questions. Your key is stored only in your browser.
Get a free key:
1. Go to console.groq.com
2. Click API Keys → Create API Key
3. Copy and paste it below
Should I Buy It?
Smart Spending Decisions
0
✦
New: Just describe what you want to buy in plain English — or tap the mic to speak it. We'll fill the form for you.
Purchase Analysis
Tell me about the item
$
$
$0
Leave at 0 to skip — unlocks recovery time stats if filled in.
Paying with (optional)
⚠️ Paying by credit card adds interest. At a typical 20% APR, this purchase costs more if you don't pay it off immediately.
Remaining
—
% of Savings
—
Weeks to Recover
—
Emergency Runway
—
Cost Per Day (1yr)
—
Invested in 10yrs
—
Savings Split
Recovery Timeline
Smart suggestions
How your score is calculated
Smart Buy
Under 15% of savings and recoverable in under 3 weeks of income. You can comfortably afford it.
Think Twice
15–70% of savings or 3–6 weeks to recover. Possible, but worth pausing and planning first.
Don't Buy
Over 70% of savings or 6+ weeks to recover. This would leave your finances dangerously thin.
QUICK TIPS
—
Total Saved
—
Total Target
—
Complete
—
Overall Progress
Savings Goals
Track what you're saving for
$
$
—
No goals yet. Add your first savings goal above.
New — Spending Dashboard: See how much you've saved by saying no, how your spending compares to the 50/30/20 rule, and your smart vs risky decision breakdown.
—
Total Spent
—
Money Saved
—
Smart Buy Rate
—
Decisions Made
50/30/20 Rule — How You're Doing
Based on your logged purchases and income from the Analyze tab.
Money Saved by Saying No
—
Spending by Category
Smart vs Risky vs Don't Buy
—
No history yet. Analyze purchases and save them to see your spending dashboard.
Smart Advisor
Ask me anything about money
Get personalized advice based on your numbers — budgeting, opportunity cost, saving strategies, and more.
Quick questions
Should I buy it?
Opportunity cost
Safe spend %
Credit advice
50/30/20 rule
Emergency fund
Save faster
Want vs need
Should I wait?
DID YOU KNOW
Your Financial Snapshot
→Add your savings, income and make a few purchases to unlock personalised insights about your financial health.
%
Pay yourself first
Move money to savings the moment you get paid — before spending anything. You can't miss what you never see.
⏳
Time beats timing
Starting to save early matters more than saving the "right" amount. Compound interest rewards patience above all else.
◉
Emergency fund first
Before investing or big purchases, build 3–6 months of expenses as a buffer. It's the foundation everything else rests on.
↺
Automate everything
Willpower is unreliable. Automatic transfers to savings and investment accounts remove the decision — and the temptation.
MARKET MOOD
Cautious
BEST STRATEGY
Index funds, long term
GOLDEN RULE
Never invest what you can't lose
Markets
Stocks & Crypto
Live charts powered by TradingView. Set your own verdict for each asset — just tap the badge to change it.
For crypto, select "Crypto" — e.g. BTC, ETH, SOL
Bill Tracker
Your recurring expenses
Add your monthly bills to see what's left after expenses each week.
$
—
Monthly Bills
—
Per Week
—
Per Year
—
Left after bills/wk
—
No bills yet. Add your recurring expenses above.
New — Financial Education: 8 plain-English lessons on things school never taught you. Each has a real example and a quiz to test yourself.
Financial Education
Things school never taught you
Plain English explanations of how money actually works — taxes, interest, investing, and more.
Side-by-Side Comparison
Compare two purchases
Enter two items you're deciding between and see which makes more financial sense.
Item A
$
VS
Item B
$
Wishlist Heat Map
What can you actually afford?
Add items you're considering buying. The app stacks them against your budget and tells you which combinations make financial sense.