Skip to main content

All your finances. One place.

Know where you stand. Know what to do next.

See your accounts, spending, bills, assets, and debts together. Understand what changed, ask questions, and make a plan.

Get started
  • Read-only financial connections
  • 10,000+ supported institutions
  • Encryption at rest and in transit
  • $15/mo or $144/yr
  • 30-day money-back guarantee
  • No data sold

Example workspace with sample data

How it works

Stop checking accounts one by one.

Connect the accounts you use. BetterOff shows what changed, answers questions with sources, and lets you share the full picture safely.

  1. Step 1

    Connect

    Link supported accounts or add anything else manually.

  2. Step 2

    Review

    See what changed and what needs your attention.

  3. Step 3

    Ask

    Get sourced answers about your money.

  4. Step 4

    Share

    Invite a partner or advisor, without sharing passwords.

Daily and long term

Your spending and net worth belong together.

See where money went this month without losing sight of what you own and owe.

01See

See what you own and owe.

Connected balances and holdings sit beside homes, vehicles, loans, and other manual records.

See supported connections
Financial map

02Understand

See where the money went.

Transactions from every connected account feed the same categories, cash flow, and recurring-bill view.

See spending and cash flow
Review queue

03Stay ahead

Catch problems before they become chores.

BetterOff flags broken connections, price increases, missing details, and unusual changes.

Ask what needs attention
Account health

Answers and actions

Ask a question. Check the receipts.

BetterOff cites the records behind every answer, so you can check the spending, balances, and recurring charges each one is built from.

Ask AI

Ask questions across your finances

You stay in control

Connect accounts without handing over control.

BetterOff can import balances, transactions, and holdings through read-only connections. Those connections cannot move money, place trades, or change bank settings.

Read-only connections

Import balances, transactions, and holdings, not transfer or trading access.

No data sold

We charge a subscription. We do not sell your data.

Disconnect anytime

Remove a source whenever you want. Manual records stay.

How read-only access works

Share without passwords

Give someone the picture. Not your login.

Invite a partner, CPA, or advisor into the same financial view, without sharing bank credentials.

  • Start private

    No one else sees your finances until you invite them.

  • Choose their role

    Give a Viewer read-only access, or let an Admin help manage shared data.

  • Remove access anytime

    Change a role or remove access whenever you need to.

You decide who can see what.Change or remove access anytime.

One plan. One flat price.

Pay monthly or yearly. The price does not change with your net worth.

Good fit

  • You want account changes, recurring charges, and records watched in the background.
  • You manage money solo and may want to share access with a trusted person.
  • You want read-only alerts and cited answers without giving anyone control of your money.

Not a fit

  • You want someone to actively trade or rebalance your portfolio.
  • You're shopping for an envelope-style budgeting app.
  • You won't connect read-only access. That's the whole product.
One simple planBetterOff
Billing cadence

Annual billing selected. Save up to 20%.

See all your money in one place and get help staying on top of it.

$144 per year, billed annually. Equivalent to $12 per month. Save $36 per year.

Equivalent to $12/month · Save $36/year

$144 billed annually. Monthly option: $15/month.

Continue with annual: $144/year
30-day money-back guaranteeCancel renewal anytimeFlat fee

What the plan includes

  • One clear financial picture

    See spending, bills, investments, assets, debts, and net worth together.

  • Answers you can trace

    Ask about spending, balances, or bills and see the records behind each answer.

  • Share with someone you trust

    Invite one household member without sharing bank credentials.

Plan details

Clear limits. No percentage fee.
Up to 5 connected sources
Each supported bank, brokerage, exchange, or wallet counts as one source.
200 AI messages/month
Ask about spending, balances, bills, or net worth.
Automatic account refreshes
Supported accounts refresh through the day, or on demand.
You + one household member
Share access without sharing bank credentials.

Common questions.

What to know before you connect an account.

Who is BetterOff for?

BetterOff is for people whose money is split across accounts, apps, and spreadsheets. It combines day-to-day spending with long-term net worth, then helps you organize what comes next. Workspace tour.

What access does BetterOff get to my accounts?

Financial connections are read-only. They let BetterOff import supported balances, transactions, and holdings, but not transfer funds, place trades, or change account settings. Security overview.

How much does it cost?

BetterOff costs $15/mo or $144/yr. The plan includes 5 connected sources, 200 AI messages a month, 2 household members, PDF and CSV exports, and a 30-day money-back guarantee. See pricing.

Do I still need tax software or a CPA?

Yes. BetterOff organizes records and exports but does not file taxes or replace a CPA. Exports and records.

What counts as a connected source?

One linked institution or wallet counts as a source. The plan includes 5; manual assets and debts do not use a slot. Connection details.

Can I share access with a spouse or CPA?

Yes. The plan covers 2 household members in total — you plus one other person. Invite them as a Viewer or Admin; they never see your bank credentials. See shared access.

What can BetterOff's assistant do?

It answers questions about your finances and cites the records behind each answer, so you can check the transactions, balances, and recurring charges it used. It reads your data only: it cannot move money, change categories, or edit your records. See an example answer.

Can I cancel anytime?

Yes. Cancel renewal anytime in Settings; paid access continues through the end of the current billing period. Your first subscription is covered by a 30-day money-back guarantee. Pricing details.

See the full FAQ

Stop piecing it together.

Bring your finances into one clear view, then get help with what comes next.

Get started

30-day money-back guaranteeCancel renewal anytimeNo data sold