Your AI money coach.
One insight a day.
SmartStash connects to every account you have, watches your money 24/7, and tells you exactly what to do in plain English.
No credit card required · Bank-grade security · Free plan always available
See it in action
What your daily insight looks like
The problem
Personal finance apps show you charts. None of them tell you what to do.
You've got money spread across checking, savings, credit cards, and investments. You know you're leaving money on the table. You just don't have time to figure out where.
Too many accounts
Checking, savings, brokerage, 4 credit cards, an old 401k. You're managing all of it in 6 different apps.
Generic advice
"You spent $340 on food." Great. Now what? No app answers the actual question — what should I do about it?
No time
You'd optimize this if you had a CFO. You don't. So thousands of dollars quietly slip through the cracks every year.
Features
Everything a real CFO would notice.
SmartStash watches your money 24/7 so you don't have to.
Idle cash detector
Finds cash sitting in 0.01% accounts and shows exactly how much you're losing each year.
Cash flow forecast
60-day projection based on your recurring income and bills. See a shortfall two weeks before it hits.
Right-card suggestor
Which card should you use at Whole Foods? SmartStash knows — and how many points you'll earn.
Bill anomaly alerts
Utility bill 2x higher than usual? Subscription price hike? SmartStash catches it.
Net worth, unified
Every checking, savings, credit card, and brokerage account. One number. Always fresh.
Chat that actually works
"Can I afford a $3k vacation in September?" SmartStash reads your accounts and gives you a real answer.
Goal tracking
Emergency fund, house down payment, debt payoff — SmartStash monitors your progress automatically.
Investment concentration
Warn when too much of your portfolio is in one stock or sector. Real risk analysis, not fluff.
Subscription hunter
Finds every recurring charge, flags the ones you forgot about, and tells you how much they cost per year.
How SmartStash works
Three steps. No dashboards.
Connect
Link your accounts securely through Plaid — the same tech Venmo, Robinhood, and Chime use. Read-only. 60 seconds.
Audit
SmartStash analyzes everything. Idle cash. Overdraft fees. Unused subscriptions. Wrong cards. Missed HYSA yield. In 60 seconds, you see exactly how much you're leaving on the table.
Coach
One insight in your inbox every morning. Chat with SmartStash anytime. It remembers your goals, knows your accounts, and speaks plain English.
Bank-grade security. Read-only. Always.
SmartStash connects through Plaid, the same infrastructure used by Venmo, Chime, and hundreds of banks. We never touch your money — we only read what's already yours.
From early users
The receipts.
"SmartStash caught $340 in overdraft fees I hadn't noticed and told me to move $8k to a HYSA. Paid for itself in the first week."
"The cash flow forecast told me I'd be short two weeks before payday. Saved me from a $35 NSF fee. That was the moment I upgraded."
"Finally an app that just tells me what to do instead of making me stare at charts. I have 11 accounts and SmartStash actually keeps them all straight."
Pricing
Simple pricing. Real value.
Most users save $400-800/year in their first month. Even the free tier does something no other app does.
Free
For getting the audit and testing the water.
- 2 connected accounts
- Weekly digest
- Net worth + spending views
- First-audit AI opportunity finder
Pro
The full experience — daily coaching, unlimited chat.
- Everything in Free
- Unlimited accounts
- Daily AI insights
- Unlimited chat with SmartStash
- Cash flow forecast
- Bill anomaly alerts
- Right-card suggestions
- Investment concentration warnings
Premium
For power users who want proactive SmartStash working around the clock.
- Everything in Pro
- Real-time priority insights
- Tax-loss harvest alerts
- Bill negotiation reminders
- Deep monthly reviews
- Direct email to founder
Payments secured by Stripe · Cancel anytime · Free plan always available
FAQ
Common questions.
Can I trust you with my bank data?
SmartStash uses Plaid — the same secure infrastructure as Venmo, Chime, and Robinhood. We only get read-only access, never your login credentials. All data is encrypted at rest. We never share or sell your data.
Will you move my money?
No. SmartStash only makes recommendations. Every dollar you move, you confirm in your own bank app. We're not a broker or a fiduciary.
Is Pro really worth $9.99/month?
A single move — like shifting $10k from 0.01% checking to a 4.5% HYSA — earns you $450/year. Cancel one unused subscription and Pro pays for itself for 6 months. Most users see ROI in the first week.
What banks are supported?
Every major US bank and 12,000+ credit unions through Plaid — Chase, Bank of America, Wells Fargo, Capital One, Amex, Fidelity, Vanguard, Robinhood, and thousands more.
Can I cancel anytime?
Yes. One click in Settings. No cancellation calls, no dark patterns. You keep read-only access to your data during the current billing period.
What happens to my data if I delete my account?
All your data is permanently deleted within 7 days. Bank connections are severed. Stripe subscription cancelled. Nothing lingers.
Stop wondering what to do with your money. Let SmartStash tell you.
Set up in 60 seconds. See your full financial picture immediately.
Free plan always available · Cancel Pro anytime