The AI budgeting app
AI does the budgeting. You make the calls.
Foundation’s AI sorts every transaction, drafts next month’s budget and spots ways to save. You review it in minutes. It can see your money, but never move it.
$7 a month or $60 a year. Your partner’s included.
Works with 12,000+ banks, cards and apps, including
Chase
Bank of America
Wells Fargo
Venmo
Citi
Capital One
American Express
PayPal
Fidelity
Charles Schwab
Vanguard
Discover
Ally
Chime
U.S. Bank
Robinhood
USAA
PNC
Coinbase
E*TRADE
Truist
Wealthfront
What the AI does
Four money jobs you’ll never do again.
- 01
Categorizing
Every transaction gets a real name and the right category as it lands.
See how - 02
Budgeting
Next month’s plan, drafted from how you spend, ready to accept.
See how - 03
Bargain-hunting
Price hikes, double charges and idle cash, with their yearly cost.
See how - 04
Spreadsheets
Ask in plain English. Get the number, and the transactions behind it.
See how
01 · Sorting
Never categorize a transaction again.
Bank statements are written for banks, not people. Foundation’s AI names every merchant, files it in the right category and learns from every correction you make.
More on AI sortingSQ *BLUE BOTTLE COF 0412 OAKLAND CA−$6.75Blue Bottle Coffee
Coffee
AMZN MKTP US*2K4TD1RZ3 AMZN.COM/BILL WA−$31.18Amazon
Household
VENMO *ALEX CASHOUT 1034829+$42.00Alex paid you back
Offsets Friday’s dinner
CHECKCARD 0411 SHELL OIL 57444 BERKELEY−$46.30Shell
Gas
ACH DEP ACME INC PAYROLL PPD 8812+$4,210.00Acme Inc.
Paycheck
TST* PIZZERIA DELFINA SF 94110−$58.40Pizzeria Delfina
Dining out
02 · Budgeting
Your budget, drafted for you.
Foundation’s AI reads your last three months, plans for your bills and goals, and drafts next month. You look it over, tweak what you like, and tap accept.
- Built from real life
- Plans start from what you actually spend, not what you wish you spent.
- Bills and goals first
- Rent, subscriptions and savings are planned before anything is spare.
- A coach, not a lecture
- Saving for something? It shows exactly what to trim, and by how much.
- Keeps itself current
- Each time your accounts sync, the plan updates, so it never goes stale.
03 · Saving
It finds money you didn’t know you were losing.
Foundation’s AI watches every account for price hikes, double charges, idle cash and spending that’s crept up, and tells you exactly what each one is worth.
Found this month
$1,980/yr
- $1,440/yr
Dining out has crept up
About $120 a month above your usual since the summer.
- $360/yr
Cash is sitting idle
About $9,000 more than a month of bills sits in checking at 0.01%. At a typical 4% high-yield rate, that’s about $360 a year.
- $180/yr
Comcast went up again
Up $15 this month, the second increase this year. Worth a call.
- $55 refund
Adobe charged you twice
Two identical charges on Oct 3. Ask for a refund.
04 · Answers
Ask before you spend.
Thinking about a trip, a new car or a bigger place? Ask the way you’d ask a friend who knows your finances, and get a straight answer from your own numbers.
- Straight answers
- A clear number instead of a lecture, with the transactions behind it.
- What-ifs
- See how a raise, a move or a new car changes the plan before you commit.
- Knows your life
- Mention the new job or the baby on the way once; it plans around it.
- Private
- Your data is never sold, and it never trains anyone else’s AI models.
The result
Your whole financial life, in one clear view.
Every account, in one place.
Checking, cards, loans, investments, your 401(k) and your home, kept current automatically.
Built for two.
Your partner joins free. Choose, account by account, what’s shared and what stays yours.
Every bill, before it’s due.
Bills, subscriptions and paydays found for you, with a heads-up before each one.
Goals you can watch grow.
An emergency fund, a trip, a first home. Linked to real accounts, so progress is never a guess.
Safe to spend
One answer to “are we okay?”
Your bank balance still counts rent you haven’t paid. Foundation shows what’s actually safe to spend, from your live balances: after your card, this month’s bills and your goals.
Safe to spend
Oct 24 – Nov 1
$1,284.50
- In checking
- $7,050.50
- Credit card balance
- −630.00
- Bills due by Nov 1
- −2,310.00
- Planned for goals
- −1,500.00
- Planned spending
- −1,326.00
- Safe to spend
- $1,284.50
Bills first
Rent, utilities and subscriptions count the moment they’re first detected.
Goals next
Savings goals are planned for before a single dollar ever counts as spare.
Always current
Recalculated from your live balances every single time your accounts sync.
Honest by default
Card spending counts right away. Transfers between your own accounts don’t.
Up and running in five minutes.
$7 a month, every feature included. Cancel anytime.
- 1
Connect
Link your banks, cards and investments in minutes, read‑only.
- 2
Review
AI sorts your history and drafts a budget. Skim it, tweak it, accept it.
- 3
Check in
AI keeps it current and flags what needs you. A weekly look is plenty.
Security
Your data stays yours.
Foundation can see your money. It can never move it. Everything else about how we handle your data follows from that.
How we protect your data- Read-only
- Foundation can see balances and transactions. It can never move money.
- No passwords
- You sign in to your bank inside Plaid. We never see your credentials.
- Walled off
- The database refuses to show your data to anyone outside your household.
- Not for sale
- No ads, no data brokers. Your data never trains anyone else’s AI either.
Less than the apps you’re comparing.
The features you’d pay more for elsewhere, with AI doing the upkeep, for less than Monarch, Copilot or YNAB.
- Foundation$60
- Copilot Money$95
- Monarch Money$100
- YNAB$109
Annual plan prices from each company’s website, September 2026. Monarch’s Core plan shown.
Pricing
Simple pricing. Everything included.
Foundation
$7a month
Or $60 a year: save 29%, just $5 a month.
AI does the upkeep: sorting, budgets, savings alerts and answers.
Pay by card, Apple Pay or bank debit. Have a promo code? Enter it at signup. Cancel anytime.
- Unlimited accounts and institutions
- AI categorization and rules
- AI savings finder
- Budgets drafted from your spending
- Safe-to-spend, updated daily
- Goals, cash flow and net worth
- Investments, RSUs and options
- Ask: plain-English answers
- Bills and subscription tracking
- Your partner, at no extra cost
- CSV import and export
- Web, iPhone and Android
Switching from another app?
See how Foundation compares, and bring your history with you.
Questions, answered.
What is Foundation?
Foundation is an AI-native personal finance app. It connects your bank, card, loan and investment accounts, sorts every transaction automatically, drafts a monthly budget from your real spending, and tells you what’s safe to spend, for individuals and households.
How does Foundation use AI?
AI does the busywork: it cleans up and categorizes every transaction, detects your bills and paychecks, drafts your monthly budget from your real spending, spots ways to save, and answers questions about your money in plain English.
Does the AI change anything without asking?
It sorts transactions and drafts plans automatically. Anything that changes your budget or goals waits for your OK, and everything can be undone. It can never move money: connections are read-only.
What does “safe to spend” mean?
It’s an estimate of the money left in your spending accounts once your card balance, the bills due before the month ends, the goals you’re funding and the spending you’ve planned are accounted for. It updates every time your accounts sync.
How much does Foundation cost?
$7 a month or $60 a year. There’s one plan with every feature, and your partner joins at no extra cost.
Is it safe to connect my bank?
Yes. Connections go through Plaid, the service behind most US finance apps, and are read-only: Foundation can see balances and transactions but can never move money, and never sees your bank password.
Which banks work with Foundation?
More than 12,000 US banks, credit unions, card issuers and brokerages, including Chase, Bank of America, Wells Fargo, Capital One, American Express, Fidelity, Schwab and Vanguard. You can also add cash, property and equity grants by hand.
How is Foundation different from Monarch, Copilot or YNAB?
Foundation does more of the work. It drafts your budget instead of asking you to build one, suggests rules from your corrections, works out what’s safe to spend, and answers questions in plain English. And it costs less than Monarch, Copilot or YNAB.
Can my partner use it too?
Yes, free. Invite your partner to your household and you’ll share accounts and one budget, each with your own sign-in. Accounts can be kept private, and anyone can be given read-only access.
I used Mint. Will Foundation feel familiar?
Yes. Everything Mint showed you (all your accounts, categories, budgets, bills and net worth) is here, without the ads and card offers, plus AI that keeps it tidy for you. You can import your old Mint export, too.
Is there a mobile app?
Foundation works on the web, iPhone and Android, with the same numbers everywhere.
Build on solid ground.
Connect your accounts and let AI do the rest. $7 a month, your whole household included.