Monavio
Monavio is a browser-based personal finance app for individuals who want to organize spending and monitor their financial picture without linking bank accounts. Users upload bank, credit-card, or investment statements in PDF, CSV, or Excel formats, or forward them by email; Monavio extracts and categorizes transactions. Features include spending analytics, category budgets, recurring-charge detection, investment tracking, net-worth monitoring, and financial-independence planning with adjustable assumptions and Monte Carlo projections. Users can manage multiple accounts and currencies and review their finances together in one place. The web app serves individuals who budget, track investments, or plan long-term financial goals.
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Flow
Forget Excel, draw, monitor and keep track of your cash flow. It is as easy as money in, money out and what left is your savings. Simulate the future state of your assets and liabilities, see how your net worth evolves over time as a function of the real estate and financial markets and inflation environment. Evaluate various investment scenarios. Simulate the outcome of your plan in various Future states of the world. From recessions to rampant inflation to job and income loss.
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OptiVault
OptiVault is an AI-powered personal financial advisor app for iOS that helps users automate financial planning, optimize spending, and grow their net worth by securely syncing bank accounts, credit cards, and crypto wallets via Plaid with bank-grade 256-bit encryption and read-only access; once connected, the AI performs an instant comprehensive financial health analysis, detects wasted subscriptions and abnormal spending patterns, categorizes transactions automatically, and adjusts daily budgets without manual entry, while providing smart budgeting, net worth tracking with projection charts, automated savings transfers, and retirement planning tools. The AI scans for “vampire costs,” highlights saving opportunities, and creates a personalized roadmap toward financial goals such as emergency funds or a house, complemented by expert AI support with instant responses to questions about crypto, taxes, or budgeting.
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MoneyCoach
MoneyCoach is a personal finance app for individuals and households who want to organize everyday money management. It helps users record and categorize income and expenses, create budgets, monitor spending, and review financial activity through summaries and reports. Users can manage accounts and recurring transactions, set savings goals, and track progress toward planned spending targets. The app includes tools for bills and subscriptions, balances and net worth, and reviewing financial trends. It also offers an AI-assisted money-coaching experience for exploring personal finance information and receiving contextual insights. Users can connect supported banking and financial data sources or enter transactions manually, depending on their setup. MoneyCoach helps people consolidate their finances, from routine expense tracking and budget planning to longer-term savings and financial organization.
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