Everything Foundation’s AI does for you.
Everything Foundation’s AI handles, so you don’t have to: the sorting, the planning, the savings hunting and the answers.
Clear view
Every account, kept current and sorted without you.
Checking, cards, loans, brokerage and 401(k), connected read-only and refreshed on their own.
- 12,000+ institutions
- Banks, credit unions, cards, loans and brokerages connect in minutes. Add cash or a home by hand.
- Safe to spend
- What’s left after this month’s bills and your goals are accounted for, recalculated on every sync.
- Net worth
- Every asset and every debt in one figure that moves with your balances, from the day you joined.
- Investments
- Holdings, cost basis and gains across every brokerage and retirement account, in one view.
- Equity and RSUs
- Track grants and vesting schedules, so stock that’s on its way is part of the plan before it lands.
- Loans and mortgages
- Balances, rates and payoff dates for every loan, with the interest you’ll pay over the life of each.
AI sorting
Transactions that sort themselves.
An AI labeller reads each merchant the way you would, then learns from every correction you make.
SQ *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
- AI categorization
- Clean merchant names and the right category on arrival, even for cryptic card-network descriptors.
- Rules that write themselves
- Fix a transaction once and Foundation offers a rule. See every rule in one place, in plain English.
- Recurring and subscriptions
- Bills, paychecks and subscriptions are detected automatically, each with its next date and amount.
- Splits and paybacks
- Split a purchase across categories, and let a friend’s Venmo offset the dinner it was paying back.
- Search that understands
- Find “that hardware store in March” without remembering the merchant’s name or the exact amount.
- Tags and filters
- Tag a trip, a renovation or tax items, then filter by account, category, amount or date in seconds.
AI budgeting
A budget that drafts itself.
Foundation reads your last few months and proposes a plan. You adjust it, you don’t build it.
- Draft-first budgets
- A monthly plan built from your real spending, bills accounted for first, ready to accept in minutes.
- Budget coach
- A guided conversation that turns a goal into a plan, and shows what to change when the month drifts.
- Goals
- An emergency fund, a trip, a first home, investing: linked to real accounts, so progress is real.
- Cash flow
- Money in, money out and where it went, by month or category, with your own transfers left out.
- Reports and export
- Clear monthly and yearly reports, plus your full transaction history as a CSV whenever you want it.
- Undo anything
- Every change the AI makes on your behalf is listed for you to review, and can be undone in one tap.
AI saving
AI finds money you’re leaving on the table.
Foundation watches every account for ways to save and tells you 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.
- Price hikes
- A heads-up when a subscription or bill goes up, showing what the increase will cost you over a year.
- Duplicate charges
- The same charge twice is caught the day it lands, so you can ask for the refund while it’s fresh.
- Idle cash
- Money sitting in checking beyond what your bills need, and roughly what it could be earning instead.
- Spending creep
- Categories drifting above your usual are flagged early, before a small change becomes a habit.
- Subscription audit
- Every recurring charge in one list, with the ones you haven’t used in a while sorted to the top.
- Alerts that matter
- An email before a big bill is due or when a charge looks off, and never a stream of noise.
AI answers
Ask your money anything.
Plain-language questions, answered from your own numbers, with the working shown.
- Ask
- “How much did we spend eating out since June?” Get the answer, and the transactions behind it.
- What-if planning
- See how a raise, a move, a new car or a new baby would change the plan before you commit to it.
- Weekly digest
- A short Monday note covering what changed, what’s coming up and anything that needs a decision.
- Memory
- Tell Foundation about your life once, like a new job or a baby on the way, and it plans around it.
- Your own AI tools
- Connect Claude or ChatGPT with a read-only token, so your assistant answers from your own numbers.
- Answers you can check
- Every answer links to the transactions behind it, so you can check the working in a single tap.
Together
Built for households.
Money is rarely one person’s job. Foundation is designed for two, and for the people who help.
- Your partner, free
- Invite your partner at no extra cost: shared accounts, one budget and a separate sign-in for each.
- Private accounts
- Keep a personal account out of the shared picture, while it still counts toward your own plan.
- Read-only access
- Give a parent, accountant or financial planner a view, with no ability to change a single thing.
- Web, iPhone and Android
- The same numbers everywhere you look. Add it to your home screen and it opens like an app.
- Bring your history
- Import your exports from Mint, Monarch, Copilot or YNAB, plus Apple Card statements, in minutes.
- Fair splits
- Split shared costs 50/50 or by income, and see at a glance which of you has covered what so far.
See it with your own numbers.
Connect your accounts and let AI do the rest. $7 a month, your whole household included.