Personal CFO. "How much did I spend at Amazon?" Every transaction tagged to every merchant, totaled this month, this year, or since you connected.
Meet your AI money guides
Specialized guides, each trained for a different financial situation. Ask any of them anything. Real answers, real numbers from your accounts.
One general AI isn't enough for your money
Your salary, your taxes, your debt, your portfolio, each needs different expertise. Money by Checkr pairs every situation with a specialist guide that asks the right questions and answers with your real numbers.
Browse the guides
Pick a guide. Ask anything. Get a real number
Not "try to spend less." Actual dollars, from your actual accounts.
Get Started"Can I afford a $2,400 vacation?"
Your Personal CFO checks savings rate, upcoming bills, cash flow, and three-month outlook. Answers yes, no, or wait until June, with the math behind it.
Meet your guidesCan I afford a $2,400 vacation in August?
Yes, comfortably. Here's the math using your real cash flow:
- Current savings: $18,400
- Expected August bills: $3,420 (rent, cards, utilities)
- Projected surplus by Aug 1: $4,680 on top of current savings
- Vacation cost: $2,400
- Buffer remaining: $2,280 above your emergency-fund floor
Paying on your Amex Gold earns you 4x travel points, effectively ~$96 back. Book the trip.
What about a $4k trip?
Type a message...
Four guides, four kinds of answer
Debt Strategist. "Card or invest?" Runs the math on your rates, returns, and cash flow. Tells you which move earns you the most.
Retirement Planner. "Is my portfolio growing?" Pulls your real balances, contributions, and returns. Shows what moved this month, what's dragging, and the switch that earns you the most.
Young Professional. "What about this bonus?" Ranks your options: high-interest debt, 401(k) match, HSA, emergency fund, Roth. You see the dollar-ranked list.
Meet Thomas.
Built for this.
Thomas Personal CFO
Your default guide for the big picture. Spots what matters and helps you decide what to do next.
Real feedback. See what people say
Got a real answer
Asked 'can I afford a $2,400 vacation?' AI checked my cash flow and bills. Yes, comfortably. Booked it.
Jennifer Park
Marketing Manager
Ran my math
Asked if I should pay off my card or invest. AI ran the actual math on my rates and returns. Told me pay the card. Saved me from a bad call.
James Wilson
Consultant
Every answer is a number
I stopped getting generic advice. Every question comes back with real dollars from my real accounts.
Emily Martinez
Teacher
Financial intelligence for less than two coffees a month
Money by Checkr Pro
Your complete financial picture.
Early bird · 50% off
$4.99 / month
Billed annually at $59.88
What you get
Questions
& Answers
Specialized AI guides, each trained for a specific financial situation. Personal CFO, Debt Strategist, Retirement Planner, Young Professional, and more. Each knows the right questions to ask and answers with your real account data.
ChatGPT doesn't see your accounts. Money by Checkr guides do. Every answer uses your real balances, spending, and income. No generic advice.
Yes. Switch guides any time based on what you're working on. Each keeps its own context so you can come back to a conversation.
Both. They answer any question and can also deep-link you to cancel a subscription, move cash, or switch a card. You approve every move.
Yes. Every answer shows the accounts and numbers behind it. You can click through to see the math.
They won't move money, file taxes, or make trades. Everything is read-only. You make every call.
Yes. Bank-level encryption. Read-only access. Conversations stay between you and your guide.
Make AI worry about your finances
Know what you're owed. Keep what you earn. See your net worth grow