Features

Intelligence at every
point of decision.

Every feature in Au is built around one idea — the most important moment in personal finance is the second before you spend, not the month after.

01 — Dashboard

Your wealth,
live.

Net worth, income, spending, and goal progress — all live. When you spend $12 on lunch, the dashboard reflects it within minutes. Every number connected to everything else.

Connects to 12,000+ banks via Plaid. Read-only. Bank-level security. Setup in under two minutes.

Example: It's the 20th. You've spent $2,400 of your usual $3,200 budget. House deposit at 62%. Emergency fund at 81%. All in one glance.

02 — Goal Impact Bar

Days, not
dollars.

Every wishlist item shows one number: how many days it pushes your goal back. Not the price. Not a percentage. Days. The only reframe that makes a purchase feel real before you make it.

When you skip an item Au celebrates. When you buy it, Au shows the honest impact — no guilt, no lecture.

Example: That $349 pair of headphones isn't $349. It's 8 days further from your house deposit.

03 — Atom AI

Your AI
knows everything.

Atom is Au's AI, powered by Claude. It knows your goals, your spending, your income, your net worth — and you can talk to it about any of it, in text or voice, backed by your real data.

Serious questions and wild simulations. Both get real, personalised answers.

Example: "Should I buy this $1,200 laptop?" → "Buying now pushes Japan back 5 weeks. Wait for your bonus and it drops to 2 weeks."

04 — Spend Page

Every habit,
goal-linked.

Every spending category shows exactly what it's costing you in days toward your goals. Not just dollars. See what your patterns actually mean in terms of the things you're working toward.

Run Atom simulations on any category — watch your goal dates update live before committing to anything.

Example: Dining Out at $340 this month — $110 above your usual pace — is costing you 4 extra days on your house deposit.
Thu, May 29
Net Worth
$42,840
+$3,200
+$640 saved
$720 left
Active Goals
House Deposit62%
$31k of $50kOct 2027
Bali Holiday38%
$1,520 of $4kNov 2026
Emergency Fund81%
$8,100 of $10kAug 2026
Wishlist3 items
Sony WH-1000XM5
Electronics
$349
Afford
+8 days
Impact
✦ Dupe on Amazon · $89
House Deposit
Now: Oct 2027If bought: Oct 28
Dyson Airwrap
Beauty
$599
Tight
+20 days
Impact
✦ Dupe on Amazon · $89
House Deposit
Now: Oct 2027If bought: Nov 20
⚛
Atom
Online
Should I buy this $1,200 laptop?
Emergency fund at 60% with $340 in bills due next week. Buying now pushes Japan back 5 weeks. Wait for bonus — drops to 2 weeks.
Cancel Netflix + Spotify?
Saves $28/mo. Japan moves 11 days closer. House deposit forward 3 weeks over the year.
Ask Atom anything...
→
SpendMay 2026
$1,840$720 left
🍜
Dining Out
$340
$110 above usual/ $400
+4 days on House Deposit
🚗
Transport
$180
On track/ $400
+2 days on Bali Holiday
📱
Subscriptions
$94
7 active · 4 unused/ $100
+3 days on House Deposit

All Features

Everything Au includes.

01
Goal Impact Bar
Every wishlist item shows how many days it costs toward your goal. The only number that makes a purchase feel real before you make it.
02
Bank Sync
12,000+ institutions via Plaid. Every transaction pulled in automatically. Read-only — Au never touches your money.
03
AI Categorisation
Self-improving AI that learns your patterns. 95%+ accuracy within 60 days. Goal-linked, not just spending buckets.
04
Atom AI
Powered by Claude. Text or voice. Knows your complete financial picture. Serious questions and wild simulations.
05
Dupe Finder
High-quality cheaper alternatives for anything in your wishlist. See how many days faster the dupe gets you to your goal.
06
AI Personal Shopper
Import from Amazon or screenshot any wishlist. Au evaluates timing against your goals, bills, and savings rate.
07
Mood Spending Detection
Identifies your highest-risk spending windows. One quiet line of context at the moment it matters. Never a lecture.
08
Spending Personality
After 30 days, a shareable profile of how you actually relate to money. Designed to spread like Spotify Wrapped.
09
Au Together
Shared goals, combined income tracking, per-member views. For couples, roommates, families — anyone.