The complete Chip In experience

All your money.
Working together.

Connect your accounts. See bills before payday. Understand your investments. Build a budget that fits your life. Share the expenses you choose. Thirteen capabilities, one clearer picture.

See every capability Compare plans

Personal finances first Shared by choice iOS, Android & web

CHIP IN / YOUR OVERVIEW

Your financial picture

$82,108.40$83,108.40$84,312.40

+$1,204 today6 connected accounts

Bills before payday$1,285Rent, internet & streaming

Left after these bills$715From $2,000 in checking

Your accounts. One connected view.

FINANCIAL SYNCChecking connectedBalances. Bills. Transactions. Up to date

INVESTMENT ALERTAAPL hit your $250 targetYour rule. Your heads-up.

Your weekly picture, delivered.

Illustrative example

Everything Chip In does

Thirteen capabilities. One account.

Mobile for the moment, web for the plan, and always-on services in between.

Financial sync Every account through Plaid, refreshed near-hourly. Mobile · Web

Investments Live market data, twenty alert types, per-symbol drilldowns. Mobile · Web · Services

Cards and loans Card Spend Alerts, Credit Journey, interest you can avoid. Mobile · Web · Services

Bills and income Subscriptions with status, price changes, cash-flow forecast. Mobile · Web · Services

Splits and sharing Share what you choose. Split Intelligence suggests the ratio. Mobile · Web

Payments Settle through Venmo, Cash App, cash, or check. Reversible. Mobile · Web

Capture Receipts, transaction search, and smart signals. Mobile · Web

Budgets 2.0 Four methods. Flexible targets. Forecasts and automations. Web

Reports Sankey flows, scrubbable timelines, savings rate. Mobile · Web

Chip In Intelligence Ask anything. Answers computed from your real data. Mobile · Web

Alerts and automation Fourteen email alert families, five scheduled jobs. Services

Security No credentials stored. Encrypted. Private by default. Everywhere

Free and All Access Start free. Upgrade for everything. Cancel anytime. Plans

Connected accounts

All the accounts.
One place to understand them.

Connect eligible banks, cards, loans, and brokerages through Plaid. Track balances and trends, add manual accounts, and see the sync status behind your numbers.

Accounts grouped by institution
Net worth and spending history
Manual entries for the rest of life

Explore the accounts workspace

Chip In / Your dashboardJA

A little clarity for your day.You + Alex

SPENDING HISTORY 30 days

$2,860$340 less than last month

1st15thToday

Investments$48,250Today +$184.20

Cards & loans$4,820Next payment in 6 days

BILLS BEFORE PAYDAY 7 days

Rent $1,200 Internet $65 Streaming $20

$715 left after these bills

Your streaming bill went up$16 to $20. That's $48 more per year.

Smart Signal

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Bills, subscriptions & income

Less “when is that due?”
More “we've got this.”

Recurring charges and income form a forecast of what's coming. Price changes and lapsed subscriptions get a closer look, instead of disappearing into a transaction list.

Bills before payday and cash-flow forecasts
Price-change history and Smart Signals
A Needs Review list to keep things accurate

Bills before paydayNext 7 days

CHECKING TODAY

$2,000

MON
12

RentYour monthly home payment

$1,200

WED
14

InternetRecurring bill

$65

THU
15

StreamingSubscription

$20

FRI
16

PaydayExpected recurring income

+$2,400

AFTER BILLS, BEFORE PAYDAY$715 of breathing room.

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Every transaction, explained

The details behind
every dollar.

Merchant, category, account, tags, recurring history, and split activity. Search and filter your ledger, or add a manual transaction for purchases outside connected accounts.

Explore the shared-expense workflow

One purchase. The whole story.

Neighborhood MarketGroceries · Today

$120.00

ACCOUNTEveryday checking

CATEGORYFood & drink

STATUSPosted

TAGSGroceries · Shared

YOUR SPLIT Custom ratio

JYou $72AAlex $48

60%40%

Split sent. Both of you see the same record.

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Auto-categorize with AI New

One click to fix it.
Or let AI file it.

Click a category on the Transactions grid and a picker opens with what the charge is now, how it counts, and every category. Ask Chip In Intelligence and it reads the merchant, the amount, and how you've filed it before, then suggests the category and the detail with a confidence level and a one-line reason.

AI picks the category and the detail, and tells you why
Income, refund, transfer, card or loan payment, each labeled with how it counts
Every category in one grid, with search and detailed categories
Apply to the merchant's other transactions, or make it a rule
Picks save at once and stay through every bank sync

Meet Chip In Intelligence The category picker is included Free. So is Auto-categorize with AI, with a generous daily allowance; All Access raises the limits.

TransactionsCategorize

Categorize AUTOPAY 251029065151457RAUTOPAY AUTO-PMT Citi® Diamond Preferred® Card · Oct 12, 2026

$107.00

Income · Counts as income Income · Other income Card payment · Not income Loan payments · Credit card payment

Suggested

Auto-categorize with AIChip In Intelligence picks the category and the detail for you. Asking Chip In IntelligenceReading the merchant, the amount and how you've filed it before. AI suggestsLoan payments · Credit card payment High confidence

An AUTOPAY credit on your Citi card is your statement payment landing. It's money moving between your own accounts, so it doesn't count as income.

Use it No thanks Applies to this transaction and is kept when your bank syncs.

What is this?How each counts

Income · Counts as incomeOn a credit card, this counts as a credit.Refund / credit · Not incomeMoney back from a purchase.Transfer in · Not incomeBetween your own accounts.Card payment · Not incomeKeeps Loan payments · Credit card paymentLoan payment · Not incomeA payment toward a loan.

CategorySearch: coffee, rent, gas…

Bank feesEntertainmentFood & drinkGeneral merchandiseGeneral servicesGovernment & non-profitHome improvementIncomeLoan disbursementsLoan paymentsMedicalPersonal care

A pick saves right away and stays when your bank syncs. You can undo it from the list.

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Cards & loans

Know what's owed.
Know what's next.

See balances, utilization, statement amounts, and payment dates together. Track promotional APRs, explore your payoff outlook, and set monthly card spending limits with milestone alerts.

See Card Spend Alerts Credit Journey is included Free. All Access adds a credit briefing: an AI report on your payoff path, card costs and promo rates.

Stay ahead of your cards

EVERYDAY CARD $900.00Balance · •••• 2048

CREDIT UTILIZATION 18% of $5,000

STATEMENT BALANCE$300

PAYMENT DUEIn 6 days

MONTHLY SPEND LIMIT $450 / $600

75% of your monthly limitA heads-up while there's still room.

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Investment intelligence

Your portfolio
has a bigger story.

Holdings, performance, securities, dividends, activity, retirement planning, and alert rules. Explore the complete investment workspace, with a portfolio checkup to help you spot the gaps.

Take the investment tour Included with All Access.

Investments / OverviewAll Access

TOTAL MARKET VALUE 3 accounts · 3 holdings

$48,250+$184.20 today (+0.38%)

1 month3 months1 yearAll

ON COST BASIS+$6,250

DIVIDENDS / 12 MO$1,240

TOP MOVERACME +2.4%

VTITotal market ETFBroad market$24,12550% of portfolio

ACMEExample companyIndividual stock$15,44032% of portfolio

BNDBond ETFFixed income$8,68518% of portfolio

Concentration rule triggeredACME is 32% of your portfolio. Your threshold: 30%.

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Rules & Tags

Less sorting.
More finding.

Organize transactions with your own tags, category changes, and naming rules. Describe what you want in plain English, then review and preview the rule before applying it.

Discover the latest updates

Rules & TagsYou decide

Tag my grocery purchases as household.

WHENMerchant containsNeighborhood Market

THENAdd a tagHousehold

PREVIEW MATCHES

Neighborhood Market$120.00Household

Neighborhood Market$86.40Household

Review the rule. Save when it looks right.

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Budgets 2.0 · New on web

Your words.
Your kind of budget.

From a simple spending target to a plan for every paycheck. Build your budget around the way you live, on your own or with the parts you choose to share.

SimpleFlexZero-basedPaycheck

Ask in English. Turn recent spending and your priorities into a budget proposal. Review it before applying.
Make the plan yours. Flexible targets, rollovers, savings goals, forecasts, and a daily safe-to-spend view.
Let the follow-through happen. Create automations for alerts, partner heads-ups, or moving amounts between budget lines.

Explore Budgets 2.0

Building a budget with AI is part of All Access. AI automation drafting and Rebalance are free, with a generous daily allowance. Nothing changes until you approve it.

ASK ABOUT YOUR BUDGET

Start with what you want.

YOU

Build my budget from my recent spending.
Keep groceries under $650.

Read your history Draft your plan Ready to review

YOUR PROPOSED PLAN

Room for the everyday.

Draft

GroceriesRecent average: $682$650

DiningRecent average: $278$250

TransportRecent average: $164$180

Groceries follows your requested limit. Review each target before applying.

Review the details Apply proposal

A proposal first. Your approval next.

From a sentence to a starting point · Illustrative demo

Reports & insights

A picture you can read.
Insights you can use.

Follow cash flow, net worth, spending, bills, and shared expenses. Core reports, drilldowns, exports, and grounded AI briefings are included Free. All Access adds deep dives, Ask this report, and your monthly money story.

Explore Reports

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A little clarity goes a long way

Make room for a better
money conversation.

Start with your own finances. Bring your partner when you're ready.

Download on theApp Store Get it onGoogle Play

Compare Free and All Access

Explore Chip In

All your money.
Working together.

Thirteen capabilities. One account.

All the accounts.
One place to understand them.

Less “when is that due?”
More “we've got this.”

The details behind
every dollar.

One click to fix it.
Or let AI file it.

Know what's owed.
Know what's next.

Your portfolio
has a bigger story.

Less sorting.
More finding.

Your words.
Your kind of budget.

Start with what you want.

Room for the everyday.

A picture you can read.
Insights you can use.

Financial Intelligence

Alerts & services

Privacy & security

Make room for a better
money conversation.

All your money.Working together.

Thirteen capabilities. One account.

All the accounts.One place to understand them.

Less “when is that due?”More “we've got this.”

The details behindevery dollar.

One click to fix it.Or let AI file it.

Know what's owed.Know what's next.

Your portfoliohas a bigger story.

Your money.Your sharing choices.

Less sorting.More finding.

Your words.Your kind of budget.

A picture you can read.Insights you can use.

Financial Intelligence

Alerts & services

Privacy & security

Make room for a bettermoney conversation.

All your money.
Working together.

All the accounts.
One place to understand them.

Less “when is that due?”
More “we've got this.”

The details behind
every dollar.

One click to fix it.
Or let AI file it.

Know what's owed.
Know what's next.

Your portfolio
has a bigger story.

Your money.
Your sharing choices.

Less sorting.
More finding.

Your words.
Your kind of budget.

A picture you can read.
Insights you can use.

Make room for a better
money conversation.