Ask your money anything. In your own Claude.
Money syncs your banks, cards, brokerages and loans through Plaid into a private database scoped to you — then hands the whole thing to the AI you already pay for, and to a nine-view console with chat built in.
14-day free trial, cancel any time. One subscription covers every Parsons product, across unlimited projects.
possible duplicate · not a proven error
and reading it cost nothing: tool calls are uncapped and free
You already pay for one of these, and you still can’t ask it a question.
The entry tier of the paid apps in this category sits between $95 and $109 at each vendor's published annual rate — and Monarch’s upper tier is $199.99. Here is what the renewal emails say — and the four things none of them fix at any price.
Yes — that is more per year than any of the three receipts above, and we are not going to pretend otherwise. The difference is what the fee covers: the same subscription runs CRM, Tracker, Journal, Fitness, Storage, Database, Email, Scheduler, Deploy, Radar, Auth and the MCP Hub, in unlimited projects, with nobody counted as a seat. Per app we are the dearer line. For everything on one bill, nothing here is close.
Mint was free, and when it shut down its users had a few months to export before custom categories, budgets and recurring labels went with it. Empower's dashboard is free and sits inside a wealth-advisory business — the tools are the front door to the thing they actually sell. That is why there is no free tier here. We would rather charge $15 a month than make your spending the product.
Everyone else bolted a chat box onto a dashboard.
An assistant that lives inside an app can only narrate that app's screens — that is the shape, not a slight. Money ships the tools themselves — twelve that read, nine that write — to whichever AI you already pay for.
Nine of those tools write. That is the difference between an assistant that describes your books and one that reorganises them — and it is why the section below is the one worth reading.
Your bank never sees your question.
Plaid pushes changes to us. A daily cron catches anything a webhook missed. Every read is served from your own rows — which is why a tool call answers immediately instead of timing out behind someone's bank.
- Empty reads explain themselves. Every list tool distinguishes no bank connected from connected, nothing here yet — so your AI cannot confidently tell you that you have no subscriptions when it simply hasn't synced.
- Freshness is on demand too. sync_now pulls transactions and balances, or a full pull including investments, liabilities and recurring streams.
Twenty-one tools. Nine of them write.
Your AI gets full write access to your books — projects, assignments, manual accounts, backfilled history — and zero ability to move funds, because Money binds no Plaid money-movement product at all.
An assistant that can only read will happily show you the Home Depot charges. It cannot file them. That is the whole of the difference, and it is why nine of the twenty-one tools write.
Your net worth chart doesn't have to start today.
A chart that begins on signup day is the easiest thing in this category to fix — as long as you are honest about how it gets fixed.
Money has no file upload. There is no drag-and-drop, no CSV importer, no connect your Mint export button. Instead you hand the old statements or the spreadsheet to your own Claude and say backfill my net worth. It reads the file and writes the balances in per account through record_balances — up to 400 {date, balance} points per call, and gaps are fine because the chart carries forward. Month-end points for twenty-two years are 264, so that is one call and one sentence from you; insist on every single day and it is about twenty-one. A manual point wins over auto-sync for that day.
- The things Plaid can't see, added by hand. add_manual_account takes a 401(k), a house, a truck or a private loan — with an optional backdated as_of, so the history is honest rather than merely visible.
- Then read it back as a series. net_worth_history returns the daily line with start, end and change, evenly sampled to the number of points you ask for (365 by default).
The charges you forgot you had.
Plaid detects the streams; Money reviews them and flags what changed. The thresholds are printed here because a flag you can't check is just a badge.
| Stream | Why it's flagged | Flag | Amount |
|---|---|---|---|
| Streaming service | monthly · stream average $19.99 → $22.99 | price_up | $22.99 |
| Retail membership | annual · next expected in 12 days | renews_soon | $139.00 |
| Audiobook subscription | monthly · expected 18 days ago | overdue | $14.95 |
| Card autopay | monthly · a transfer, so it never lands in a spend total | $1,180.01 |
It says possible, and it means it. A twice-a-week coffee subscription and a genuine double-bill look identical in a ledger, so the tool hands you the pair and lets you decide.
What Money will never claim: that a subscription is unused. It sees charges, not usage. Nothing in the data could prove one, so there is deliberately no idle flag — only the charges you forgot you had.
Which parcel is underwater?
Not "how is my portfolio doing" — the question you actually have in December. Tax lots come back from investments where your institution reports them: purchase date, price, quantity and holding period, per parcel.
- Held a year yet? Each parcel carries LONG or SHORT, so the holding-period question is a sentence, not a spreadsheet afternoon.
- Concentration is computed, not eyeballed. Every holding's share of total value, with the by-account split underneath.
- The activity behind it. investment_transactions returns buys, sells, dividends and fees with shares, price and ticker.
Caveat printed where it belongs, not in a footnote: lots appear where the institution reports them. Some don't, and Money says so rather than inventing a cost basis.
Split by account underneath, so "61% is one position" doesn't hide the fact that half of it sits in the taxable account and half in the IRA.
The four logins you stop doing.
Nobody signs into four servicers to find out what their cash-advance APR is. liabilities returns all of it in one call — so "what's my most expensive dollar of debt" is a question, not an afternoon.
| Account | APR — purchase | APR — cash | Minimum | Statement balance | Due |
|---|---|---|---|---|---|
| Credit card | 22.74% | 29.99% | $35 | $4,180.22 | Sep 12 |
| Student loan | 6.80% | — | $212 | $18,904.00 | Sep 1 |
| Mortgage | 4.25% | — | $1,684 | $248,310.00 | Sep 1 |
| Auto loan | 7.10% | — | $463 | $21,486.00 | Sep 18 |
- A broken bank login is a cheap repair, not a rebuild. relink_connection re-authenticates through Plaid's update mode, reuses the same connection so you keep all your history — and does not start a new Plaid subscription.
- Disconnecting is one call and it is final. disconnect_connection stops the syncing, stops the billing for that connection, and deletes that bank's synced accounts and transactions. Re-adding it is a brand-new connection that re-imports from scratch. We say "disconnect any time", never "pause and resume".
Nine views — and the chat is one of them.
You do not need to own an AI subscription to use Money. The web console is the whole product for most people, and the chat is a peer of every data page, not a bubble floating over one.
- Overview
- Accounts
- Transactions
- Subscriptions
- Projects
- Categories
- Portfolio
- Debts
- Connect banks
- Chat a page, not a widget
The same drawer edits the row: category override, a note, and which project it belongs to. Streaming answers, live tool steps and a stop button, because a chat that can't be interrupted isn't a chat.
Daily balance history per account, weekly-downsampled, 7 to 730 days. The account list stops being a column of static numbers.
The same series the net_worth_history tool returns, so the chart on screen and the answer in chat cannot disagree.
Console chat runs on prepaid AI credits at provider cost + 50%, with the balance on screen while you type. Using your own Claude or ChatGPT costs no credits at all — see the pricing section, where we print both.
What it was, and what it was for.
Categories answer where the money went. Projects answer what it was for — a bucket you define, nested as deep as you like, with sub-totals rolling up into the parent.
Home Improvement
Plaid's category, plus your override on any row. Transfers are marked so a card payoff never double-counts as spending.
2026 House
projects_report returns the tree with spend and income per node; children sum into parents.
Many products. One connection.
You do not wire up a server per app. Every Parsons product's tools arrive over a single connection that is minted for you at sign-in — and you choose which tools ride on it.
Ask a hundred questions an hour in your own Claude and this bar does not move — tool calls have no plan allowance because they are not billed. We can afford that because a tool call is a read from your own rows on our own edge, and because Money is one of twenty-odd doors on a single subscription rather than the only thing we sell.
Money and CRM on the same endpoint
Build a profile that carries Money's tools alongside Tracker's, CRM's or Journal's, so one conversation can move between your books and your work.
A scoped profile for your accountant
Invite by email, grant read tools only, revoke when the return is filed. The right shape for an accountant — not a shared household ledger, which is not built.
Your AI can rewrite your books and cannot move a dollar.
Not a policy. A missing capability — Money binds no Plaid money-movement product at all, so there is no code path to a transfer for anyone to find.
- Move money
- Initiate a transfer or a payment
- See your bank password
- Be reached by another user's session
- Read balances, transactions, holdings and liabilities
- Write to your records — projects, assignments, manual accounts, backfilled history
- Refresh on demand with
sync_now - Re-authenticate a broken bank with
relink_connection
The access token is encrypted at rest under a key that exists for this purpose only. We never hold your bank credentials — Plaid handles the login and we never see it.
Every Plaid webhook is checked against a JWK cache held in D1 before it is allowed to change a row. An unsigned callback changes nothing.
Every row and every query is scoped (project_id, user_id) at a single place in the data layer. One place to get right, one place to audit.
disconnect_connection stops the sync, stops that connection's billing, and deletes its synced history. Irreversible on purpose — no shadow copy sits around after you left.
connected, nothing synced → "connected — nothing here yet"
Two different empty answers, deliberately. An AI that receives an empty array will happily tell you that you have no subscriptions. An AI that receives "connected — nothing here yet" tells you to wait for the sync. That distinction is written into every list tool.
You will not find a security slogan on this page, or a compliance badge we have not earned. The four paragraphs above are things you can check, which is worth more than any of them.
Where we win, and the five rows we lose.
A table that only flatters us reads as a lie, so the losses are marked in red and are not at the bottom where you'd miss them.
| Parsons Money | Monarch | Copilot | YNAB | |
|---|---|---|---|---|
| Price | $15/moor $150/yr — two months free dearer than all three, per app | $99.99/yrCore tier · $14.99/mo monthly Plus tier is $199.99/yr | $95/yr$13/mo monthly | $109/yr$14.99/mo monthly |
| What the fee covers | every Parsons productunlimited projects | one app | one app | one app |
| Runs in the AI you already pay for | yes — 21 MCP tools | — | — | — |
| Your AI can write | 9 write tools | — | — | — |
| Tool calls metered | never | — | — | — |
| Tax lots | yeswhere the institution reports them | — | — | — |
| History from before signup | yes — record_balanceswritten in by your own AI | CSV import | CSV import | CSV import |
| Mobile app | noweb console + your AI client | yes | yes (iOS) | yes |
| Budgets / envelopes / targets | nodeliberate | yes | yes | best in class |
| Couples / household sharing | noa scoped MCP profile is the nearest thing | yes | — | yes |
| CSV / file upload | noyour AI writes it in instead | yes | yes | yes |
If you want a budgeting method you work every week, buy YNAB. If you and your partner need one shared household ledger on two phones, buy Monarch. If you want the best-looking iPhone app in this category, buy Copilot. Money is for the person who wants their accounts answerable from the AI they already pay for, and who would rather ask than open anything. On price alone, per app, we now lose that row to all three — $150 a year against $95, $99.99 and $109. The row we win is the one under it: their fee buys one app, ours buys every Parsons product across unlimited projects, with no per-seat charge on any of them. If Money is the only one of those you will ever open, buy theirs.
Every price above is the list price the vendor itself publishes — monarch.com/pricing, copilot.money, ynab.com/pricing — checked 2026-08-22. Monarch sells two tiers; the $99.99 is Core. The feature rows are read off those same pages. All of it changes, and we re-check it. A dash means we could not confirm it either way from what they publish, so we left it blank rather than score ourselves a point we cannot back up. The free dashboards — Empower's, and Mint's before it — are not in this table because they are not paid products; the top of this page says what they cost instead.
Fifteen dollars a month — and it isn’t just this app.
Monthly or yearly — a year costs what ten months cost. One plan, no free tier. Here is the price with the allowance attached, because a price without an allowance is a teaser — and going past an allowance simply draws from prepaid credits at roughly cost-and-a-half, so building stays free and the bill starts when real usage does.
- All 21 MCP tools, uncapped and unmetered
- The full nine-view console and its built-in chat
- Investments with tax lots, liabilities, recurring streams, duplicate scan, projects
- Every other Parsons product on the same subscription
- Unlimited projects, at no extra cost
- Bank connections are the one thing Money charges extra for. Your subscription includes 2, counted across every project on your account. Each connection past that is $2.99/mo — and you see that price on a confirm screen before the bank login opens, because the console asks for your quota first.
- There is a hard ceiling above the allowance: 5 live connections, and 15 ever created. It is an anti-abuse fuse, not an upsell — if you genuinely need more, ask us from the billing console, and it exists because bank connections cost us per connection whether you keep them or churn them.
- AI, told twice because it matters. In your own Claude or ChatGPT there is no metering at all — tool calls are uncapped and free. In the console's built-in chat, answers draw from prepaid AI credits at provider cost + 50%, and the balance is on screen while you type.
- 14-day free trial on your first subscription. It runs through Stripe Checkout, so it takes a card, and you can cancel any time. Cancel-and-resubscribe does not get a second trial. There is no free tier. Annual billing is there if you want it — $150/yr, two months free — and the interval is a picker at checkout, not a different product.
One subscription, every product
The same $15 that runs Money runs CRM, Tracker, Journal, Fitness, Storage, Database, Email, Scheduler, Deploy, Auth and the MCP Hub. Not a bundle you upgrade into — the account is the subscription.
Unlimited projects, free
Personal here, the LLC there, the rental in a third — separate data, separate members, separate spend caps, $0. A second workspace is not an upgrade, an add-on, or a sales call. It is a button, and your bank-connection allowance is counted across all of them so nothing double-charges.
All of it reachable by AI
Every Parsons product ships MCP tools, so your assistant drives them — not just our web UI. Money ships 21: money_snapshot, duplicate_charges, assign_transactions and the rest.
Is $15 a month worth it?
Start on the ground where we look worst. If Money is the only thing you will ever open, a specialist app is the cheaper buy — Copilot is $95 a year, Monarch Core $99.99, YNAB $109, and $150 is more than all three. We would rather you read that here than work it out afterwards.
The comparison changes the moment you open a second thing. One $15 subscription is Money and CRM and Tracker and Journal and Fitness and Storage and Database and Email and Scheduler and Deploy and Radar and Auth and the MCP Hub. Most people buying Money are already paying more than $15 a month for exactly one product on that list.
And it is one price — not a price per person and a price per workspace. Projects are unlimited and cost $0: personal here, the LLC there, the rental in a third, with separate data, separate members and separate spend caps. Nobody is billed as a seat. Nothing about the fee changes when a second project appears.
The $15 is access, not a loss-leader with a metered bill hiding behind it. Tool calls in your own Claude are uncapped and never billed — we run on our own edge infrastructure, so one more call costs us close to nothing. The things that genuinely do cost money — open-ended AI conversation, voice minutes, phone numbers, and extra bank connections — are prepaid or quoted up front, capped separately, and shown in a different column where you can see them before you spend. That is the whole model. There is nothing behind it.
The ones people actually ask first.
relink_connection re-authenticates through Plaid's update mode. It reuses the same connection, so you keep all your history — and it does not start a new Plaid subscription.record_balances, up to 400 points per call.disconnect_connection ends a bank relationship in one call. Your data is not held hostage behind a UI we control.Money reads your accounts and does arithmetic on them. It is not financial, investment or tax advice, it does not recommend securities, and it cannot move funds. Duplicate flags are possible duplicates and are for you to judge. Talk to a qualified professional before making financial decisions.
Your accounts, answerable.
In the AI you already pay for — and in a console that doesn't need one. Twelve tools that read, nine that write, and not one that can move a dollar.
14-day free trial, cancel any time · no free tier.