Keep important money moments from slipping.
BetterOff is a read-only workspace that watches your accounts, recurring charges, tax records, and account changes — without taking a cut of your portfolio.
- Plans from $15/mo
- Read-only connections
- 30-day money-back guarantee
- Cancel anytime
- No data sold
See the workspace
Surface anythingacross every account
One read-only place for balances, activity, records, alerts, and what needs review next.
Always watching
Accounts, recurring charges, transfers, and records stay in one review flow.
Review queue
Changes surface as small flags instead of becoming cleanup.
Read-only
BetterOff organizes and explains without moving money.
Connect once.Let it keep watch.
BetterOff turns the moving parts into a short list of what changed and what needs attention next, without moving money or changing accounts.
Connect
Bring the accounts together.
Link banks, cards, brokerages, retirement accounts, exchanges, wallets, and the manual records you still track yourself. BetterOff keeps the picture current in one read-only workspace.
See the workspace
Review
Catch the changes worth reviewing
Recurring charges, stale connections, deadline windows, account changes, and unusual cash-flow shifts become review items with the source, reason, and next step attached.
Review the flagsReview
Keep records readywhen they matter.
Tax forms, statements, notes, and exports stay attached to the account context behind them, so a later question starts from the record instead of a scramble.
See recordsAsk AI
Ask your money anything
Ask about spending, taxes, retirement, or anything your money touches. BetterOff answers from your connected accounts, with numbers tied to the underlying records.
Ask AI
Ask questions across your finances
Answer
You're in great shape. Spending is down 4.8% vs last month, and you're $1,334 under your total budget. Your savings rate is sitting at 32%.
Budget usage by category
Solo or together
Good for one person.Even better for two.
Private by default
Use BetterOff alone as a private command center for your accounts, bills, records, alerts, and questions.
Simple to share
Invite a partner when money is shared. Both included household logins can start from the same current picture instead of trading screenshots.
Built for check-ins
Recurring charges, transfers, deadline windows, documents, and notes stay attached to the accounts they belong to.
BetterOff works as a private money workspace for one person, or as a shared read-only view for households who want fewer money check-ins to start from scratch.
Long-term planning
Plan retirement,track wills,and more.
BetterOff gives long-term plans the same home as accounts and records, so retirement targets, estate documents, beneficiaries, and trusted contacts stay organized before anyone has to go looking for them.
See planning toolsFamily readiness
Long-term plan
Retirement plan
401(k), IRA, pension, brokerage, and Social Security notes in one timeline.
Will & estate records
Signed document locations, executor notes, and review dates stay attached.
Beneficiaries
Accounts, insurance, trusted contacts, and missing details to verify.
Flat pricing.Pick your coverage.
Every plan includes read-only monitoring, cited AI answers, exports, and a 30-day money-back guarantee. BetterOff charges a subscription, not a percentage of your portfolio.
Save up to 22%
BetterOff
Banking, cards, and a brokerage to keep in one place.
Full access · cancel anytime · 30-day refund
$144/yr billed annually — or $15/mo month-to-month
Save $36/yr vs monthly
- 8 banks/brokerages, 2 wallets, 200 AI messages/mo
- 2 household member logins
- Read-only sync for accounts, balances, recurring charges, and records
- AI chat with citations to your transactions
- Recurring detection, budgets, goals, debt payoff
- PDF + CSV exports · 30-min sync
BetterOff Pro
Active investor with taxable brokerage, RSUs, self-employment income, or crypto across wallets and DeFi.
Full access · cancel anytime · 30-day refund
$279/yr billed annually — or $29/mo month-to-month
Save $69/yr vs monthly
- 15 banks/brokerages, 20 wallets, 500 AI messages/mo
- 4 household member logins
- Everything in BetterOff, plus tax + crypto coverage
- Lot-level cost basis across brokerages, exchanges, and wallets
- Form 8949/TXF exports for tax software or a CPA
- DeFi positions, NFT holdings
BetterOff Wealth
Household with crypto, taxable investing, and multi-member access.
Full access · cancel anytime · 30-day refund
$549/yr billed annually — or $59/mo month-to-month
Save $159/yr vs monthly
- 25 banks/brokerages, 30 wallets, 2000 AI messages/mo
- 6 household member logins
- Everything in Pro
- 25 banks included, 30 wallets included
- 6 household member logins
- 2,000 AI messages/mo
- Concierge onboarding (45-min setup call)
Questions worth answeringbefore you connect.
The short version. Full details live in the FAQ.
BetterOff is for people or households that want a current money picture without handing over control: accounts, records, recurring charges, alerts, and questions in one read-only workspace. Workspace tour.
BetterOff keeps watch,you get back to living
Use it privately, or share the same current picture with a partner. Read-only by design, with alerts and records in one place.
Read-only connections30-day money-back guaranteeCancel anytimeNo data sold
Ready to start? Create your account
Reviewed by BetterOff Editorial