Your money,
on autopilot.
The AI money coach that watches every one of your accounts, catches what you miss, and tells you exactly what to do in plain English.
No credit card. Bank-grade security. Cancel anytime.
The problem
Finance apps show you charts.
None tell you what to do.
Too many accounts
Checking, savings, brokerage, 4 credit cards, an old 401k. Six apps to check every month.
Generic advice
"You spent $340 on food." Great. Now what? No app answers the question that actually matters.
No time to optimize
You would optimize this if you had a CFO. You don't. Thousands of dollars slip through the cracks.
Features
Three things no other finance app does.
We chose depth over breadth. Every feature is grounded in your actual money, not generic tips.
Chat that actually knows you.
Every time you ask something, SmartStash sends Claude a fresh snapshot of your accounts, balances, spending, and goals. Not generic advice. Not a template. A real answer, grounded in your actual numbers.
Dollar-quantified insights.
Every morning, SmartStash surfaces the exact dollar impact of what you should do next. No vague budget advice.
$18,340 at 0.01% → Marcus at 4.5%
3 recurring charges you haven't used in 60+ days
Cash flow forecast, 60 days out.
See shortfalls two weeks before they happen. Predict payday overlaps, big bills, planned purchases.
And a lot moreSee every capability
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See every capability
How it works
Three steps.
No dashboards.
Connect
Link your accounts securely through Plaid. Same tech as Venmo, Robinhood, Chime. Read-only. 60 seconds.
Audit
SmartStash analyzes everything. Idle cash. Overdraft fees. Unused subs. Missed yield. You see exactly how much you're leaving on the table.
Coach
One insight in your inbox every morning. Chat anytime. It remembers your goals, knows your accounts, speaks plain English.
Bank-grade. Read-only. Always.
SmartStash connects through Plaid, the same infrastructure powering Venmo, Chime, and hundreds of banks. We never touch your money. We only read what's already yours.
From early users
The receipts.
SmartStash caught $340 in overdraft fees I hadn't noticed and told me to move $8k to a HYSA. Paid for itself in the first week.
The cash flow forecast told me I'd be short two weeks before payday. Saved me from a $35 NSF fee. That was the moment I upgraded.
Finally an app that just tells me what to do instead of making me stare at charts. I have 11 accounts and it actually keeps them all straight.
Pricing
Simple pricing. Real value.
Most users save $400 to $800 per year in their first month. Even the free tier does something no other app does.
Free
For getting the audit and testing the water.
- ✓2 connected accounts
- ✓Weekly digest
- ✓Net worth + spending views
- ✓First-audit AI opportunity finder
Pro
The full experience. Daily coaching, unlimited chat.
- ✓Everything in Free
- ✓Unlimited accounts
- ✓Daily AI insights
- ✓Unlimited chat with SmartStash
- ✓Cash flow forecast
- ✓Bill anomaly alerts
- ✓Right-card suggestions
- ✓Investment concentration warnings
Premium
For power users who want proactive SmartStash 24/7.
- ✓Everything in Pro
- ✓Real-time priority insights
- ✓Tax-loss harvest alerts
- ✓Bill negotiation reminders
- ✓Deep monthly reviews
- ✓Direct email to founder
Payments secured by Stripe. Cancel anytime. Free plan always available.
FAQ
Common questions.
Can I trust you with my bank data?
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SmartStash uses Plaid. That is the same secure infrastructure Venmo, Chime, and Robinhood use. We only get read-only access, never your login credentials. All data is encrypted at rest. We never share or sell your data.
Will you move my money?
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No. SmartStash only makes recommendations. Every dollar you move, you confirm in your own bank app. We are not a broker or a fiduciary.
Is Pro really worth $9.99 a month?
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A single move like shifting $10k from 0.01% checking to a 4.5% HYSA earns you $450 per year. Cancel one unused subscription and Pro pays for itself for 6 months. Most users see ROI in the first week.
What banks are supported?
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Every major US bank and 12,000+ credit unions through Plaid. Chase, Bank of America, Wells Fargo, Capital One, Amex, Fidelity, Vanguard, Robinhood, and thousands more.
Can I cancel anytime?
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Yes. One click in Settings. No cancellation calls, no dark patterns. You keep read-only access to your data during the current billing period.
What happens to my data if I delete my account?
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All your data is permanently deleted within 7 days. Bank connections are severed. Stripe subscription cancelled. Nothing lingers.
Stop wondering what to do with your money.
Let SmartStash tell you.
Set up in 60 seconds. See your full financial picture immediately.
Free plan always available. Cancel Pro anytime.