A personal finance assistant with a living memory. Today rebuilds your budget from what you actually spend, hunts down the subscriptions you forgot, and lines up the money moves before each due date instead of after it.
Bills, budget and goals sit in one conversation. You ask on the left; Today rewrites the plan on the right.
Eating out trimmed by $120, groceries raised to what you actually spend. Rent transfer moves to the 2nd so it clears before the card autopay, and the emergency fund still gets $150.
Receipts from your inbox, statement exports, the cash you tell it about — Today files every spend into one running total by category, so you always know what the month has actually cost so far.
Explore the AI expense trackerBuilt from your real spending, not a number you guessed on the first. When one line runs hot mid-month, Today moves the room instead of telling you that you failed.
Explore the AI budget plannerDuplicate services, trials about to convert, quiet price increases and the four bills landing next week — one list, with the amount, the date and a cancel action.
Explore the AI subscription & bill managerSet the goal and the date once. Today works backwards to what this payday needs, and re-paces automatically when a lean month shows up.
Explore the AI savings goal plannerLoan and card balances entered once. Today ranks them by what actually costs you, points every spare dollar at the top one, and keeps the payoff date honest.
Explore the AI debt payoff plannerPaydays, fixed bills and the week's spendable line up ahead of time. When a month will fall short, Today flags it before the bill lands — not after a fee does.
Explore the AI cash-flow trackerForward a receipt and it's categorised, searchable and ready — for a tax folder, an expense claim, or the answer to 'what did I buy there'.
Explore the AI receipt organizerTurn on the ones you want. Today stays quiet about everything else.
Invoices arrive whenever clients feel like it. Today smooths the month against your real fixed costs, holds back the tax slice, and tells you what is genuinely spendable this week.
Two incomes, one rent, groceries split unevenly. Today tracks who covered what, settles the difference on payday, and keeps personal spending out of the shared view.
Two loans and a card. Today ranks them by what actually costs you money, puts every spare dollar on the top one, and shows the payoff date moving as you go.
Six months of runway, then the trip. Today sets the weekly number, protects it from the spending you told it not to touch, and re-paces the plan when a month goes sideways.
No bank or broker logins. Export a statement and drop it in, forward the receipts, put paydays and bills on your calendar — or simply tell Today the numbers once. Every source is optional, and any can be removed later.
A month in, it knows when income lands, which bills never move, where you always overspend and which categories you refuse to cut.
Cancel the duplicate, shift the transfer, top up the goal — Today lines up each move for you. Money only leaves an account when you act, and every step is yours to undo.
| Capability | Today | Spreadsheet | Banking app | ChatGPT |
|---|---|---|---|---|
| Rebalances the budget mid-month | Partial | |||
| Finds duplicate subscriptions and price hikes | Partial | |||
| Acts before a due date, not after | Partial | |||
| Remembers your goals across months | Partial | Partial | ||
| Proactive without being noisy | ||||
| Memory you can read, edit and delete | Partial |
Today organises your money and your habits. It is not a bank, broker or financial adviser — for investment and tax decisions, talk to a licensed professional.
Today reads the money trail you already generate — statement exports you import, receipts that land in your inbox, recurring bills and paydays — and turns it into a handful of decisions: what this week can absorb, which subscription to kill, when a bill will outrun the balance. It acts on the month instead of handing you another chart to interpret.
No. Today is an organisation and habit assistant, not an advisor or broker. It won't pick funds, time markets or tell you what to buy. It keeps your cash flow, bills, subscriptions and savings goals under control, and prepares the questions worth asking a real advisor.
Instead of numbers you guess on the first of the month, Today builds the budget from what you actually spend, then rebalances mid-month when one line runs hot. Groceries over by 22% and dining out untouched? It shifts the room rather than telling you that you failed.
No — you never hand over bank or brokerage credentials. Today works from the money trail you already create: statement exports you import, receipts that arrive by email, paydays and bills on your calendar, and amounts you confirm yourself. There is no live link to revoke later, and nothing for Today to move on its own.
A statement export from your bank or card (CSV or PDF), receipts you forward, or a quick note of what you spent. Import once or on a schedule — Today reconciles the month and keeps your categories honest without ever touching the account itself.
It watches for repeating charges, near-duplicate services, free trials about to convert and quiet price increases. You get one list with the amount, the renewal date and a cancel action — not a notification every time a charge appears.
Everything Today remembers about your money is inspectable and editable. Open memory, read the entry, correct it or delete it — deletions are real, not hidden flags, and the assistant stops reasoning from anything you remove.
Your budget rebalances mid-month, forgotten subscriptions get caught, and transfers move before the due date. Free to use on iPhone, Android, macOS and the web.
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