Everything you need. One conversation.
Say it. Fred does it.
Track expenses, manage budgets, move money, run scenarios. Tell Fred what you need and he handles the rest.
Track
Track your spending without thinking about it
Text Fred a quick line, snap a receipt, forward an email, or just type it. He logs it, picks the right category, and your safe-to-spend updates instantly.
Manage
Move money the way you actually do
Payday lands. Fred walks you through bills, savings, and goals in about thirty seconds. He remembers what you did last time, suggests the same split, and waits for your "yes" before anything moves.
Understand
Get a real answer to a real question
"Can I afford a vacation in July?" "What happens if I cancel the gym?" Fred runs the actual numbers from your accounts and gives you a straight answer in plain language.
Stay ahead
Get a heads-up before things go sideways
Fred quietly watches for trouble. A bill you forgot. A category trending high. A goal slipping. When something matters, he tells you. Otherwise he stays out of the way.
Built different
You've seen AI in finance apps.
This isn't that.
Most money apps tell you what already happened. Fred actually does the work. He knows your accounts, your bills, your goals. And he waits for your okay before changing anything.
Direct
He gives you the actual number
Not "spending is up 15%." More like "groceries jumped 30%. Want me to adjust your budget, or see if it settles next week?" Always with the option to do something about it.
Personal
He learns how you talk
Say "food" when you mean Eating Out. Say "the 15th" when you mean your phone bill. Fred picks it up after a couple of times and stops asking. Your shortcuts become his shortcuts.
Yours
He knows your money, not just money
No generic blog tips. Every answer uses your accounts, your bills, your goals, your pay schedule. The advice is for you, not for an audience.
Personal
No two users get the same Fred.
Say it your way once. Next time, Fred gets it. Your shortcuts become his shortcuts. He picks up where you left off, every time.
Fred in action
See for yourself.
Track expenses instantly
Honest answers, real numbers
What-if in seconds
Fred learns your style
Text Fred from anywhere
SMSFred suggests. You confirm.
He's built to help, not to control. You're always in the driver's seat.
You approve every action
Fred can’t move money without your explicit confirmation. Every suggestion requires a “do it” before anything happens.
No bank access
Fred never asks for your bank login. He works only with the data you choose to share. Nothing more.
Bank-level encryption
AES-256 encryption on everything, in transit and at rest. Your financial data is locked down.