AI-Powered Personal Finance
Beelinger Finance is the AI-powered financial command center that gives you total clarity over your wealth — and a team of expert AI coaches to help you grow it.
No credit card required · Works on any device · Installs on your phone in seconds
Your bank is here. Your investments are there. Your budget is a note on your phone that you stopped updating in February. And somewhere in the middle of all that chaos, you're supposed to be making smart decisions about your future.
Beelinger Finance changes that. One platform that brings everything together — and a team of AI coaches inside it to help you make sense of it all.
Every asset you own, every liability you carry — tracked in real time. One clean number that tells you exactly where you stand, with a 6-month trend chart showing where you're going.
8 Asset ClassesSet monthly limits for every spending category and track your progress in real time. The savings rate tracker shows you the number that separates people who build wealth from those who just earn it.
Savings Rate TrackingLog income and expenses in a few taps. Auto-categorized so you see your cashflow at a glance. The 6-month chart makes it immediately obvious whether you're building momentum or leaking money.
Auto-CategorizedWhether you're saving for a house, building an emergency fund, or working toward early retirement — the AI turns your goals into a structured plan with milestones and actionable steps.
AI MilestonesFull portfolio analysis with gain/loss per holding, asset class allocation, sector exposure, and a risk score. When your allocation drifts, the AI suggests specific rebalancing moves.
Risk Score + RebalancingA personalized lesson library across Investing, Budgeting, Real Estate, Crypto, and Retirement. Each lesson is AI-generated and tailored to your level. Learn what the wealthy already know.
12 AI-Generated LessonsEvery conversation is informed by your actual financial data — not generic internet wisdom. Six specialized advisors, each with a distinct expertise, ready to guide you.
Your first stop for any question about your money. Bee has full visibility into your net worth, goals, and budget to give you personalized, actionable guidance.
Inspired by the principles of long-term, fundamental investing. Warren helps you find undervalued opportunities and build a portfolio built to last.
Focused on high-potential opportunities in emerging sectors. Aria helps you identify growth trends before they become headlines.
Cutting through the noise in the blockchain space. Satoshi helps you understand, evaluate, and manage digital asset exposure with clarity.
Helping you build passive income streams through dividends, distributions, and yield-generating assets. Build income that works while you sleep.
From rental properties to REITs, Rex guides you through every dimension of real estate investing — strategy, analysis, and execution.
| Feature | Beelinger Finance | Richify | Mint | YNAB |
|---|---|---|---|---|
| Net Worth Tracking | ✓ Full (8 asset classes) | ✓ Basic | ✓ | ✗ |
| Budget Tracker | ✓ With savings rate | ✗ | ✓ | ✓ |
| Financial Goals | ✓ With AI milestones | ✓ Basic | ✗ | ✓ |
| Portfolio Analytics | ✓ Risk score + rebalancing | ✓ Basic | ✗ | ✗ |
| AI Financial Coach | ✓ 6 specialized agents | ✓ 1 generic agent | ✗ | ✗ |
| Financial Education | ✓ 12 AI-generated lessons | ✗ | ✗ | ✗ |
| PWA (Install on Phone) | ✓ iOS + Android | ✗ | ✓ | ✓ |
| Dark/Gold Premium UI | ✓ | ✗ | ✗ | ✗ |
Most budgeting apps lock their best features behind a monthly subscription. Beelinger Finance gives you a full AI-powered financial command center — at no cost.
Competitor pricing based on publicly listed rates as of 2026. Beelinger Finance is free for all Beelinger account holders.
Early users have already started putting Beelinger Finance to work. Here's what they're saying.
I've tried YNAB, Monarch, and a bunch of spreadsheets. Nothing came close to this. Having six AI coaches who actually know my portfolio and my goals? That's not a budgeting app — that's a financial team in my pocket. And it's free.
The net worth dashboard alone changed how I think about money. Seeing everything — my Roth, my crypto, my savings, my debt — in one clean number every single morning is a completely different experience than checking four separate apps.
Satoshi and Warren in the same app? I was skeptical. But the AI coaches genuinely give advice based on my actual numbers, not some generic script. I asked about rebalancing and got a breakdown specific to my portfolio. Nothing else does this.
I was paying $15 a month for YNAB and still didn't know my actual net worth or what my risk exposure looked like. Beelinger Finance does all of that and more — for free. I cancelled my YNAB subscription the same week.
The savings rate tracker hit different. Seeing the exact percentage of income I'm actually keeping — not just a transaction log — made me instantly understand why I wasn't building wealth as fast as I wanted. Huge mindset shift.
I went through the Beelinger course and Beelinger Finance is the exact tool that makes everything click. The financial education lessons inside the app tie directly back to what I learned. It's like having the course and the practice platform in one place.
Your future is not determined by how much you earn — it's determined by how well you manage, invest, and grow what you have. Beelinger Finance gives you the tools, the intelligence, and the guidance to do exactly that.
No credit card required · Works on any device · Install on your phone in seconds