Your money, in motion.
Fourteen ways to make your money feel clearer, including the new Budgets. Swipe through, or just watch.
Your kind of budget.
Flexible targets. Rollovers. Forecasts.
Explore the new BudgetsThe thinking is done before you open the app.
Every morning Chip In reads your accounts, bills, cards, and investments, then lines up what matters at the top of your dashboard: the most urgent first, each with the dollars at stake, a due label, and a next step. Tap one for the full AI analysis.
- Critical, worth a look, all clearInterest deadlines and cash shortfalls first, good news last. Snooze a signal for a week when it can wait.
- Grounded in your ledgerEvery signal names the card, the merchant, the amount, and the date it came from, with a tap straight to the forecast, the Checkup, or the transaction.
- One tap, the whole storyThe bottom line, what the AI noticed, and the exact next steps, on demand, for Home, Accounts, and Recurring.
Know what's leaving before payday lands.
Chip In lines up every recurring charge between now and your next paycheck, with the logo, the amount, the cadence, and the day it hits, then tells you what's safely left.
- Payday, detectedChip In learns your pay cycle and counts down to it, with the deposit you can expect.
- Safe to spendWhat's left after the bills that land first, in one number, on mobile and web.
- Recurring, understoodFrequency, average amount, next charge, and a history chart for every bill and subscription.
Wrong category? One click. Or let AI file it.
Click any category on the Transactions grid and the picker opens: what the charge is now, how it counts, and every category in one place. Not sure? Chip In Intelligence reads the merchant, the amount, and how you've filed it before, then picks the category and the detail, with its confidence and its reasoning.
- AI that shows its workA pick, a confidence level, and the reason in one line. Use it or say no thanks. Recurring charges update the whole series.
- How it counts, spelled outIncome, refund, transfer, card payment, or loan payment, each labeled with whether it counts as income. A card payment never pads your earnings again.
- Fix it once. It stays fixed.Picks survive every bank sync. Apply one to the merchant's other transactions, or turn it into a rule, without leaving the picker.
One place to see
the whole picture.
Know where it goes. See what's coming. Grow what matters. One beautiful place for your finances, and the parts you choose to share.
Payday is coming.
So are the bills.
See what lands before your next paycheck, and what you'll have left after it clears. Your real bills and recurring income, laid out in a way that makes sense.
- Upcoming bills, subscriptions, and paydays
- Smart Signals when something needs a look
- A forecast you can plan around
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Share a life.
Keep your independence.
Choose the accounts you share. Split the groceries your way. See who owes what, without turning every purchase into a conversation.
- Equal, custom, or income-based splits
- Auto Split for the bills you share
- Your personal finances stay yours
More than a balance.
An investment picture.
Your holdings, market performance, dividend income, and retirement outlook in one connected workspace. Understand the movement. Notice the risks. Explore what's possible.
- Performance and benchmark comparisons
- Dividends in the context of your bills
- Your rules, alerts, and portfolio checkup
Good questions.
Answers from your money.
“Which bills went up?” “How much did we spend together?” Ask in your own words. Chip In Intelligence turns your financial data into a clear explanation, chart, or table.
Meet Chip In Intelligence Chip In Intelligence is included with All Access.Two bills rose by $9 a month.
That's $108 more over a year.
Make your money
feel organized.
Bring order to the details with Rules & Tags. Describe a rule, review its conditions, and preview the transactions it matches before you save.
See what's newAt home on your phone.
More room on the web.
One account across iOS, Android, and your browser. Handle the everyday on your phone, then open the web for wider charts, deeper exploration, and exports.
Open the web appMake room for a better
money conversation.
Start with your own finances. Bring your partner when you're ready.
Compare Free and All Access