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Bank-level security·Powered by Plaid·AI by Anthropic·We never sell your data
Powered by Anthropic Claude
Not just an app. Your personal finance assistant in your pocket.
Every other finance app shows you charts. NogaFlow tells you exactly what to do — with a plan built from your real numbers.
Why AI changes everything
Every app tracks. Only NogaFlow acts.
There's a difference between knowing where your money went and knowing what to do about it.
✗ Every other app
“You spent $340 on dining this month.”
“Your grocery budget is 96% used.”
“Consider reducing discretionary spending.”
✓ NogaFlow AI
Your $2,807 surplus means you can hit $4,000 saved by July — 5 months early.
Cancel Crunchyroll + Google One = +$16/mo freed instantly.
One change: raise savings transfer from $250 to $345/mo. That's it.
See it live
A real conversation with your money
This is an actual AI insights exchange — built from real account data, not templates.
✦
NogaFlow AI
Powered by Anthropic Claude · Uses your real data
I want to save $4,000 by end of year. Is that realistic?
✦
NogaFlow AI
Yes — you're closer than you think. You have $3,240 saved and only need $760 more in 8 months. That's $95/month.
Your surplus is $2,807 — well within reach. Cancel Crunchyroll + Google One = +$16/mo freed instantly. Raise savings transfer $250 → $345/mo and you hit the goal by August — 4 months early.
Conservative $95/mo
Moderate $220/mo
Aggressive $390/mo
Ask anything about your money...
What the AI actually does
Six things no other app can do
Not a chatbot. An AI tool that reads your real accounts and gives you real answers.
Most loved
Financial Intervention Plan
Pre-built personalized savings or payoff plan from your actual accounts — handed to you the moment you need it.
“You need $1,240 more for 3-month coverage. At current rate: 4.1 months to goal.”
Savings goal engine
3 tiers calculated from your real surplus. Conservative, Moderate, Aggressive. You pick the pace, AI builds the roadmap.
“At $2,807 surplus: save $843/mo (Moderate) = goal in 6 months.”
Spending leak detector
Scans your transactions and surfaces the exact subscriptions costing you money. Named, dated, with a dollar figure.
“3 streaming services used under 2 hours last month — $34.37/mo.”
Monthly check-in
On the 1st of every month AI reviews last month, updates goal progress, and adjusts the plan if your life changed.
“Income dipped in May. Adjusted your savings target from $345 to $210/mo.”
Ask anything, get real answers
Every answer pulls from your actual balance, spending history, and budget data. It knows your money.
“Where should I cut first?” — AI responds with your specific categories and dollar amounts.
Cash flow awareness
Flags when you're trending toward a negative month before it happens — and tells you exactly which expenses to watch.
“At current pace you'll overspend by $180 this month. Here's what to cut.”
Everything you need
Your entire financial life, in one place
NogaFlow connects to your real bank accounts and gives you clarity — without the overwhelm.
Live dashboard
Net worth, cash flow, accounts, and budgets — updated in real time from your actual bank data.
Smart budgets
12 spending categories that track automatically. See which budgets are on track before the month ends.
Subscription tracker
Detects every recurring charge automatically. Know what you're paying for — including what you forgot.
Cash flow analysis
See income vs expenses over 1, 3, 6, or 12 months. Know if you're moving forward every month.
AI insights
Personalized spending analysis based on your actual data — not generic tips from a generic app.
Goal planner
Set a savings goal and get a month-by-month plan built from your real surplus. You choose the pace.
Simple by design
Up and running in 3 minutes
No setup headaches. No manual entry. Just connect and go.
1
you@example.com
••••••••
Create account
Create your account
Sign up with email or Google. Free, no credit card. Takes 30 seconds.
2
Search for your bank
CHASE
WELLS FARGO
Fidelity
BANK OF AMERICA
USAA
Capital One
Connect your bank
Securely link via Plaid. Your credentials never touch our servers.
3
Net Worth
$24,830
▲ +5.3% vs last month
Assets
$57,430
Debt
$32,600
Income
$4,100
See your full picture
Dashboard populates instantly. Budgets, cash flow, subscriptions — all live.
Real people. Real results.
People who finally feel in control
Early beta users who connected their accounts and stopped guessing.
★★★★★
“I didn't realize I was paying for 6 subscriptions I forgot about. NogaFlow found them in 30 seconds. I cancelled 4 that same night.”
JM
Jessica M.
Mom of 2 · Chicago, IL
Featured
★★★★★
“As a single mom I always felt behind. The AI gave me a real plan — not generic advice. First time I felt like I could actually save.”
AT
Anita T.
Single mom · Beta user
★★★★★
“I tried YNAB and Mint and hated both. NogaFlow just works. Connect your bank, see your money. No setup, no spreadsheets.”
RK
Rachel K.
Young professional · IL
312+
Beta users
$2.4M
Tracked so far
4.9★
Avg rating
How we compare
NogaFlow vs. the others
Mac-only apps and $15/mo fees aren't built for real families. We are.
Feature
NogaFlow
Copilot
YNAB
Price
Free / $9.99
$14.99/mo
$14.99/mo
Works on Android
✓
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✓
AI insights tool
✓
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Personalized savings plan
✓
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Auto subscription detection
✓
✓
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Free tier available
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Simple pricing
Start free. Upgrade when you're ready.
No surprise fees. No paywalls on the basics. Cancel Pro anytime.
Free
$0 / forever
Everything you need to get a clear picture of your money — at no cost.
Connect bank accounts
Live dashboard
Budget tracking
Transaction history
Subscription detector
Cash flow overview
AI (5 questions/mo)
Goal planner
Most popular
Pro
$9.99 / month
Unlimited AI, personalized plans, and every feature we ship — now and in the future.
Everything in Free
Unlimited AI
AI Goal Planner
Financial Intervention Plan
Advanced cash flow reports
All new features at launch
Priority support
Or $7.99/mo billed annually · Cancel anytime
Questions & answers
Got questions? We've got answers.
Everything you need to know before getting started.
Yes. NogaFlow uses Plaid -- the same technology trusted by Venmo, Robinhood, and thousands of other apps. We never see or store your banking credentials.
No. NogaFlow provides personalized financial insights and spending analysis. We are not licensed financial professionals and nothing in the app constitutes financial advice.
NogaFlow connects to over 12,000 financial institutions across the US via Plaid -- including Chase, Bank of America, Wells Fargo, Capital One, Citi, and most credit unions.
Absolutely. Cancel anytime from your account settings. You keep Pro access until the end of your billing period, then move to Free automatically.
Every new Pro feature we ship is automatically included in your plan -- no extra charges, ever.
Your money deserves a real plan.
Join NogaFlow — built for moms, families, and people who want to stop stressing about money.
● 312 people joined this month · Beta spots still open
