Your Personal
AI CFO
The only app that merges the daily discipline of budgeting with the long-term vision of wealth management. Replace your fragmented financial stack with one sovereign agent.
The Desktop Era
Quicken & Excel. Digitized the checkbook register. Manual entry, offline data, and strictly retrospective.
The Dashboard Era
Mint & Monarch. Cloud aggregation. Visualized data, but passive. Requires you to "hunt and peck" for insights.
Autonomous Agency
Ledger Genius. Active, conversational, and agentic. Don't just view data—ask questions and command actions.
Autonomous Financial Agency
Don't hunt for insights. Just ask. Experience the shift from passive dashboards to active conversation.
"Natural Language Interface": Ask anything about your finances in plain English.
Persistent Memory: The AI remembers your goals, life changes, and preferences across sessions.
Snap your Fidelity screen — AI extracts holdings. No broken APIs.
"I spent $45 at Costco." Frictionless tracking on the go.
Financial intimacy without surveillance.
- Invite spouse & partners
- Role-based access
- Hide private transactions
Stop paying for separate budgeting and wealth apps.
We re-bundle Cash Flow and Net Worth into one seamless view. Real-time portfolio valuation meets zero-based budgeting.
Beyond subscription canceling.
Active Leakage Detection and behavioral nudges to optimize your wealth accumulation.
Your Financial Data
Fortress.
Ledger Genius partners with Stripe Financial Connections to securely link your accounts. We use OAuth direct connections, meaning we never see or store your bank login credentials.
OAuth Direct Connection
Login directly on your bank's portal. No shared passwords.
Encrypted at Rest & Transit
AES-256 encryption protects your data at every step.
Read-Only Access
We can only see what you allow. We cannot move your money.
Why Switch?
The only tool that combines Budgeting, Investing, and Family Management in one agent.
| Feature | Ledger Genius | Monarch / YNAB | Kubera |
|---|---|---|---|
| Annual Cost (All-Access) | $70 / year | $99+ / year | $150+ / year |
| Primary Interface | Active Agent | Passive Dashboard | Spreadsheet UI |
| Entry Method | Auto + Voice + Photo | Auto Only (Fragile) | Manual / API |
| Family Privacy | Role-Based Access | All-or-Nothing | Limited |
| Crypto & Real Estate | Deep (Wallet/Zillow) | Basic Balances | Advanced |
| Data Sovereignty | No Ads / No Sales | Varies | Upsell Driven |
Simple, Transparent Pricing
One plan. All features. Zero hidden fees.
Everything you need to master your money.
What's Included
- Unlimited Connections (Smart Routing)
- Personal AI CFO (24/7 Advisor)
- Smart Budgeting (Zero-based/Envelope)
- Total Net Worth & Asset Tracking
- Voice & Screenshot Entry
- Family Sharing (Partner Included)
- Investment X-Ray (Crypto + Real Estate)