Anchor Features
The foundation — used every day
01
Bank Sync
12,000+ institutions via Plaid. Every transaction pulled in automatically, reflected in your goals within minutes. Read-only — Au never touches your money.
02
AI Categorisation
Self-improving AI that learns your patterns. Knows "SQ*BLUEBOTTLE" is a coffee shop. 95%+ accuracy within 60 days.
03
Real-Time Dashboard
Net worth, income vs spend, goal progress — all live. When you spend 2 on lunch, the dashboard reflects it within minutes.
04
Goal Setting & Tracking
Any number of goals running simultaneously. Au calculates the realistic path based on your actual income and spending. Completion dates update automatically.
05
Au Insights Engine
Proactive, goal-linked intelligence. Specific patterns quantified in time, surfaced before you need them — not after the damage is done.
Primary Features
What makes Au unlike anything else
06
Goal Impact Bar
Every wishlist item shows one number: how many days it delays your goal. Not the price. Days.
Example: 49 Vitamix → your Bali holiday moves back 18 days. You skip it.
07
AI Personal Shopper
Import from Amazon or screenshot any wishlist. Au evaluates timing against your goals, bills, and savings rate — not just whether you can afford it.
08
Dupe Finder
Finds high-quality cheaper alternatives for anything in your wishlist. Au earns an affiliate commission — you pay nothing extra.
Example: Dyson Airwrap 99 → BaByliss 9, 4.7 stars. Save 10, gain 17 days.
09
Atom AI
Powered by Claude. Knows your complete financial life. Text or voice. Serious questions and wild simulations — backed by your real data.
10
Mood Spending Detection
Identifies your highest-risk spending windows. One quiet line of context at the moment it matters. Never a block. Never a lecture.
11
Spending Personality Profile
After 30 days, a shareable profile of how you actually relate to money. Designed to spread like Spotify Wrapped.
12
Future You Simulator
Toggle purchases on and off. Watch your projected financial future update in real time. The gap between the two versions of you is the most motivating number in personal finance.
13
Au Together
Shared household goals, combined income tracking, per-member views. For couples, roommates, families — anyone.
14
Bill Negotiation Coach
Identifies every bill where you're likely overpaying and generates a personalised negotiation script. Included in Au Atomic. Always.