Your AI money coach · on iPhone
OptiVault builds your complete financial plan, answers any money question in seconds and nudges you at the right moment, so you actually reach your goals.
Sound familiar?
“Where did my paycheck go?”
Payday · Checking ••4821
$$23 left, nine days after payday
Low balance. Payday was 9 days ago.
A week after payday the money has quietly disappeared, and you're not quite sure where.
This week−$0.00
Subscriptions, deliveries, rides. None of them feel big until the month is over.
Spending · last 6 months
So… what should I do now?
Charts of last month don't tell you what to do this week. That part has always been on you.
67%
of Americans lived paycheck to paycheck in 2025.U.S. consumer research cited in the OptiVault white paper.
1Connect
Connect checking, savings, credit cards and investments in about a minute. OptiVault sorts every transaction for you and shows you exactly where your money goes. No spreadsheets, no manual entry.
Works with 12,000+ banks and card issuers, including
2Your plan
Tell OptiVault what you're working toward. In minutes it builds the whole plan: a budget that fits your real life, an emergency fund, a debt payoff date and a timeline for every goal.
The plan keeps adjusting as your income, spending and goals change.
Building your plan100%
Your custom plan is ready
3Ask anything
Type it or just say it. OptiVault answers with your real numbers and shows you exactly why. It can even update your plan for you.
Tap a question. Illustrative conversation with sample data.
OptiVaultKnows your full picture
Yes! You can spend up to $42 tonight and stay on track for your emergency fund.
Where your $318 goes until payday
Upcoming bills−$196
Goal reserve−$80
Safe to spend$42
4Every Monday
A 30-second story about your week: what you spent, what you saved, how close your goals are and three moves for the week ahead.
Preview with sample numbers.
Financial Wrap
Sep 15 – 21
5Always on your side
OptiVault warns you before you overspend, reminds you before bills hit, flags charges that look off and celebrates every milestone. Helpful, never noisy.
Rent is due in 3 days
$1,250 is already set aside. You’re covered.
Dining is at 80% of budget
$32 left for 9 days. Cook twice this week to stay on track.
Unusual charge: $89.99
StreamPlus charged you twice today. Was this you?
Payday! You’ve got room.
Move $150 to your Japan trip and every bill is still covered.
Emergency fund: 50%
Halfway there, and 3 weeks ahead of plan.
6The payoff
Small, smart moves add up. Skip through a year of following the plan and watch it do its work.
Illustrative example based on a sample plan.
For everyone, not just the wealthy
A human advisor is great if you have six figures to invest and time for meetings. OptiVault gives everyone else a complete plan and a coach that's always on.
OptiVault
Advisor cost based on the common 1% assets-under-management fee. See our advisor fees guide.
Everything in one app
Real screens from the OptiVault app.
Every dollar sorted into needs, wants and bills.
| Category | Share | Amount |
|---|---|---|
| Other | 40% | $218 |
| Wants | 35% | $190 |
| Needs | 13% | $71 |
| Bills | 12% | $65 |
Ask out loud, the way you'd ask a friend.
Charts right inside the conversation.
How did I do on dining?
You spent $126 on dining, 18% over your pace. Week 4 did most of it.
| Week | Spent |
|---|---|
| Week 1 | $24 |
| Week 2 | $31 |
| Week 3 | $29 |
| Week 4 | $42 |
Every account, tracked over time.
$12,480
$4,360 in the last year
Charts show sample data.
Bank-level security
OptiVault is built to understand your finances, never to take control of them.
Encrypted everywhereYour data is encrypted in transit and at rest.
Connected through PlaidOptiVault never stores your bank login.
You're in controlDisconnect accounts and delete your data anytime, right from the app.
What OptiVault can accessYour connected accounts
Read-onlyTap a locked switch. It won't turn on.
Loved by real people
SAMPLE: replace with a real review before publishing.
SAMPLE: replace with a real review before publishing.
SAMPLE: replace with a real review before publishing.
Questions
OptiVault is free to download and every feature is free for 7 days. After the trial, a subscription keeps full access. You can cancel anytime from your App Store settings.
You securely connect your accounts through Plaid. OptiVault reads balances and transactions (read-only) to build your plan, track your goals and answer your questions with your real numbers.
Connections are read-only, data is encrypted in transit and at rest, OptiVault never stores your bank login and never sells your data. You can disconnect accounts and delete your data at any time.
No. Account connections are read-only. OptiVault can update your plan and budgets inside the app, but money only moves when you move it.
OptiVault is an AI-powered money coach for education and planning. It is not a registered investment adviser. For specific investment, tax or legal decisions, consider a licensed professional.
More than 12,000 U.S. financial institutions through Plaid, including checking, savings, credit card, loan and investment accounts. Today OptiVault is available on iPhone.
Your next move
Download OptiVault, connect your accounts and get your full financial plan in minutes. Every feature is free for 7 days.
On your computer?Scan with your iPhone camera to get OptiVault.
