Privacy-first budgeting
An advisor that actually knows your real numbers.
Kotari tracks what you spend, learns your budget, and gives you straight answers about your money, not generic advice. Your data stays yours.
No card required. Free for a month.
An advisor, not a spreadsheet
Ask Kotari anything about your money and get a straight answer based on your actual transactions. Pick the tone you want, from encouraging to blunt.
Private by design
Your data stays in your account. Never sold, never shared. Blur your numbers anytime, connect a bank only if you want to.
Budgets built around you
Simple monthly limits or full envelope budgeting. Not sure where to start? Kotari can suggest numbers based on what you actually spend.
Goals you can see progress on
Set a goal, watch it move as you go, get a nudge if you drift. No guilt trips.
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's 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.
Simple pricing, once your trial ends
Free for a month first, no card needed, with everything unlocked. Then pick the plan that fits.
Standard
$6.99/mo
40 AI questions a day
- Bank sync for all your accounts
- Safe to spend, Coming up and Savings
- What If, with the math done for you
- Sorting tools and Why this number
- Share with a partner or household
Pro
$11.99/mo
150 AI questions a day
- Everything in Standard
- What If with AI: compare two choices and get a plain-language read
- Statement and receipt reading
- The most advisor time
- New advanced tools first
Full-time student? Verify your school email for 6 months free.
Questions worth answering upfront
Is my data sold or shared?
No. Never.
Do I have to connect my bank?
No. Manual entry works fine on its own. Bank sync's there if you want it.
Can I cancel anytime?
Yes. No retention flow trying to talk you out of it.
What happens to my data if I leave?
Export it or delete it yourself, instantly. No support ticket needed.
Ready to see where your money actually goes?
Takes about a minute. No card required.