Features

Everything Au
can do for you.

Three sets of features. One idea — the most important moment in your financial life is right now, before you decide. Not after.

Meet Atom.

The AI that knows your entire financial life. Ask it anything, anywhere in the app, at any moment.

01 — Atom AI

Your AI that knows
your entire financial life.

Atom isn't a chatbot. It knows your goals, your spending, your income, your net worth — and you can ask it anything, anywhere in the app. Spot something on your Spend screen? Ask Atom. Looking at a goal? Ask Atom.

It's woven into every screen, ready the second you need it.

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."

02 — Insights Engine

Already watching.
Before you even ask.

Atom doesn't wait for your questions. It's constantly scanning your patterns, spotting things you'd never catch yourself, and surfacing them before they cost you.

Not generic warnings — specific, goal-linked intelligence that tells you exactly what a habit is costing you in time.

Example: "14 Uber rides this month — $180 above usual. Cutting back moves your Japan holiday 12 days closer."

03 — Atom Playground

Build your own
financial tools.

No other finance app gives you this. Atom Playground lets you create custom dashboards, one-tap macros, and automated watch rules — all connected to your live financial data.

Tell Atom what you want to build in plain language. It handles everything else.

Example: "Every Friday, show me this week's spend and how it moved my goals." Atom builds it, saves it, runs it with one tap — forever.

04 — Dream Path

Your biggest goals.
With a real plan.

Set a goal and Au doesn't just track it — it hands you the exact steps to reach it. What to adjust, what to cut, what to prioritise, in what order.

Based on your actual numbers, not generic advice. Not a projection. A path.

Example: House Deposit on pace for May 2035. Dream Path finds 3 moves: switch phone carriers (+22 days), hold off the AirPods Pro purchase (+6 days), boost the monthly contribution by $200 (+30 days) — 58 days sooner, landing in March 2035.
Au Atom chat screen
Au Atom Insights screen
Au Atom Playground screen
Au Dream Path screen

02 · Before You Buy

The only app working
at the moment that actually matters.

01 — Shopping Assistant

Everything you want.
What it actually costs you.

Add anything to your wishlist — from any store, any retailer. Au shows you exactly what it costs toward your goals and finds you a Scoop — a high-quality, cheaper alternative with its own impact already calculated.

One screen. Instant clarity before you spend a thing.

Example: AirPods Pro at $169 = +6 days. Across your full wishlist of 5 items, Scoops have already saved you $619 — total impact: 15 days across every active goal.

02 — Goals

Every goal, live.
Every decision, connected.

Set as many goals as you want — house deposit, holiday, emergency fund, anything. Au calculates the exact path to each one based on your real income and spending.

Adjust your monthly allocation and every projected date updates instantly. Every purchase you consider shows how many days it costs you toward the things you're actually working for.

Example: Cut takeout by $200/month and your house deposit date pulls forward from October 2027 to August 2027.

03 — Goal Impact

Every category.
Every goal, at once.

Your Spend page doesn't just show where money went — it shows what this month's spending is doing to every active goal, simultaneously. One number per goal, always in days.

No isolated categories. No guessing which goal a purchase actually affects. Every dollar spent this month, connected to everything you're working toward.

Example: $2,213 spent this month, $2,587 left. Goal Impact: Bali Holiday 26 days, House Deposit 26 days, Emergency Fund 26 days — this month's spending, priced in days, across all three at once.

04 — Bill Negotiation

You're overpaying
on bills. Au fixes that.

Au identifies every bill where you're paying above market rate — internet, insurance, phone, streaming. Then Atom writes you the exact script to negotiate it down, tailored to your provider and how long you've been a customer.

You make the call. Au tracks the saving.

Example: Xfinity Internet at $94/mo. Market average: $60/mo. Atom writes the script — potential saving: $34/mo. You call, log it, done.
Au Shop screen
Au Goals screen
Au Spend and Goal Impact screen
Au Bill Negotiation screen

03 · Your Money Life

Au doesn't just track your money.
It understands you.

01 — Spending Personality

Your money.
Your personality.

After 30 days Au knows exactly how you relate to money. Your patterns, your blind spots, your strengths — captured in a short, sharp profile that feels uncomfortably accurate.

Share it, screenshot it, send it to your friends. The Spotify Wrapped moment for your finances.

Example: "The Grounded Homebody — your spending stays anchored in necessities, with 3 active goals showing you're playing the long game. Blind spot: very low weekend spend may mean you're missing out on experiences worth having."

02 — Monthly Review

Your month.
The whole picture.

Every month Au puts together a complete picture of where you stood — what came in, what went out, which goals moved forward, which habits shifted.

Not a spreadsheet. A clear, personal summary of your financial month that actually means something.

Example: "July — you saved $2,360, with rent and utilities as your biggest spend at $1,450. You're 23 days from maxing your Emergency Fund, and that surplus alone pushes Bali Holiday 12 days closer."

03 — Future You Simulator

Two versions of you.
Same income. Different decisions.

Toggle purchases on and off and watch your financial future update in real time. One version of you keeps spending as you are. The other makes different choices.

The gap between them is the most motivating number in personal finance.

Example: Future You at 35 has $4,200 at your current pace. Toggle off 3 wishlist items and cancel 2 subscriptions — Future You has $11,800.
Au Spending Personality screen
Au Monthly Review screen
Au Future You Simulator screen

Dream Big

Their wealth was legendary.
Yours is just getting started.
See how you stack up.

Pick a historical figure. Au breaks down their wealth into the assets you actually recognise — and tells you exactly how long it'd take you to get there. The numbers are absurd. That's the point. Share it, laugh about it, then get back to the goals that are actually within reach.

Cleopatra VII
Napoleon
Blackbeard
Download Au to see all figures →

All Features

Everything Au includes.

01
Bank Sync
12,000+ institutions via Plaid. Every transaction pulled in automatically. Read-only — Au never touches your money.
02
AI Categorisation
Self-improving AI that learns your patterns. 95%+ accuracy within 60 days. Goal-linked, not just spending buckets.
03
Real-Time Dashboard
Net worth, income, spend, and every goal — live. Updates within minutes of every transaction.
04
Goal Tracking
Unlimited goals with AI-calculated timelines that update automatically every time your spending changes.
05
Atom AI
Your AI that knows your entire financial life. Ask it anything, anywhere in the app, at any moment.
06
Insights Engine
Proactive, goal-linked intelligence. Spots patterns and costs before they compound — never after the fact.
07
Atom Playground
Custom dashboards, one-tap macros, automated watch rules. Built by you in plain language, connected to live data.
08
Dream Path
Set a goal. Get the exact steps to reach it automatically. Based on your real numbers, not generic advice.
09
Shopping Assistant
Add anything from any store. See what it costs toward your goals. Import from Amazon or screenshot any wishlist.
10
Scoops
High-quality cheaper alternatives for anything in your wishlist. Better price, same result, less impact on your goals.
11
Goal Impact Bar
Every purchase shown in days toward your goals. The single number that makes a decision feel real before you make it.
12
Bill Negotiation
Au finds where you're overpaying and Atom writes the exact script to fix it. Included in Au Atomic, no extra charge.
13
Spending Personality
A shareable profile of how you actually relate to money. Updated monthly. Designed to spread like Spotify Wrapped.
14
Monthly Review
Your complete financial month, clearly summarised. Goals hit, habits shifted, net worth change — all in one place.
15
Dream Big
Pick a historical figure. See how your wealth stacks up against theirs. Absurd on purpose. Shareable by design.
16
Future You Simulator
Two versions of you, side by side. Toggle purchases on and off and watch your future update in real time.
17
Au Together
Shared goals, combined income, per-member views. For couples, roommates, families — anyone.
Coming Soon
18
Atom Voice
Talk to Atom hands-free. Ask anything, anywhere, without touching your phone.
Coming Soon
19
Annual Review
Your entire financial year, beautifully summarised. Every goal, every win, every shift.
Coming Soon
20
Investments
Your investment accounts, factored into your complete financial picture.
Coming Soon
21
Debt Planner
A clear path out of debt. Every payment connected to your goals and timelines.
Coming Soon
22
Credit Score
Your credit score connected to your goals. See what improving it means for your borrowing power and timelines.
Coming Soon
23
Mood Spending Detection
Au learns your highest-risk spending windows. One quiet line of context at the right moment. Never a lecture.
Coming Soon
24
Smart Purchase Timing
Au tells you the best moment to buy anything on your wishlist — based on price history and your financial calendar.

Know more. Spend better.

Download Au See pricing