Privacy-first budgeting
Financial advice grounded in your real numbers.
Kotari tracks your spending, builds a budget around it, and gives you honest financial advice from an AI advisor that knows your actual numbers — not generic tips. Your data stays yours.
No credit card required. Connect a bank, or track everything by hand.
An advisor, not a spreadsheet
Ask Kotari anything about your money and get a direct answer, grounded in your actual transactions. Choose the tone that works for you, from encouraging to blunt.
Private by design
Your financial data lives in your own account, not sold or shared. Blur your numbers on screen anytime, and connect a bank only if you choose to.
Budgets built around you
Simple monthly limits or full envelope budgeting — and if you're not sure where to start, Kotari can suggest numbers based on your own spending.
Goals you can see progress on
Set a savings goal, track your progress as it happens, and get a reminder if you drift off track. Never a guilt trip.
Three steps, no guesswork
Nothing is hidden behind a paywall, and there's no drawn-out setup to get through first.
1
Add your spending
Connect a bank in a couple of taps, or log transactions by hand. Either way works, and you can switch anytime.
2
Set a budget that fits
Simple monthly limits or full envelope budgeting—or let Kotari suggest numbers based on your own spending.
3
Ask Kotari anything
Get straight answers about your money, grounded in your actual numbers—not generic advice.
Built to earn your trust, not just ask for it
Kotari is new. Instead of asking you to take our word for it, here's exactly what happens with your data.
Your bank login never touches us
Bank connections go through Plaid, a bank-grade intermediary—Kotari never sees or stores your bank password, full stop.
Bank sync is optional, always
Manual entry is a first-class way to use Kotari, not a fallback. Nothing is required, nudged, or limited without a connected bank.
Blur your numbers anytime
Private mode hides dollar amounts at a tap, so you can check your budget in public without anyone reading your numbers over your shoulder.
Your data, yours to take
Export a full backup anytime, or delete your account and everything in it—no waiting, no asking permission.
Ready to see exactly where your money goes?
Takes about a minute to set up. No credit card required.