AI-Powered Financial Insights
Charlie analyzes your complete financial picture — every account, every transaction, every trend — and surfaces personalized insights to help you save more, spend smarter, and build wealth faster.
No credit card required • AI included in all plans • 14-day free trial
Unlike generic AI chatbots, Charlie has context on your entire financial picture — every bank account, investment, debt, transaction, and trend. That means every insight is personalized to your situation, not generic advice from the internet.
Ask questions in plain English, get proactive alerts when something needs attention, and let AI do the heavy lifting of analyzing thousands of transactions so you don't have to.
Six core capabilities that make Charlie your smartest financial tool.
Chat with Charlie about your finances in plain English. No jargon required.
Charlie surfaces important insights automatically — you don't have to ask.
Understands your spending and saving trends over weeks, months, and years.
AI-generated budgets based on your actual spending patterns, not guesswork.
Every insight is grounded in your complete financial picture — assets and debts.
"How much did I spend on groceries last month?" — answered in seconds.
Here are examples of the kinds of insights Charlie surfaces from your financial data.
Charlie analyzes your transactions to reveal spending patterns you might not notice — like how much you really spend on dining out or subscriptions.
"You spent 23% more on dining out this month compared to your 3-month average. That's an extra $187. Would you like me to suggest a dining budget?"
AI surfaces forgotten subscriptions, duplicate charges, and areas where you could easily cut spending without changing your lifestyle.
"I found 3 subscriptions totaling $47/month that you haven't used in 60+ days: Hulu ($15.99), Adobe CC ($22.99), and ClassPass ($8). Want to review these?"
Set financial milestones and let Charlie project when you'll reach them based on your actual saving and spending patterns.
"At your current savings rate of $1,200/month, you'll hit your $50,000 emergency fund goal by March 2027 — 2 months ahead of schedule. Nice work!"
Get a comprehensive health score based on your savings rate, debt-to-income ratio, emergency fund status, and investment diversification.
"Your financial health score is 72/100 (Good). To reach 'Excellent,' focus on increasing your emergency fund from 2.1 months to 3+ months of expenses."
Charlie calculates the fastest and cheapest way to pay off your debts using avalanche, snowball, or custom strategies.
"Switching to the avalanche method could save you $2,340 in interest and pay off your debt 8 months sooner. Here's the optimized payment plan."
AI predicts your cash flow 7 to 90 days out based on recurring income, bills, and spending patterns.
"Heads up: Your projected balance on Jan 15 will be $342 after your mortgage and car payment hit. Consider moving $500 from savings before then."
Link your bank accounts, credit cards, and investments. Charlie needs data to work its magic.
AI processes your transactions, balances, and trends to build a comprehensive understanding of your finances.
Receive proactive alerts, ask questions in plain English, and get actionable recommendations tailored to you.
Charlie's insights are generated from your encrypted financial data within Nova's secure infrastructure. We never share your data with third parties.
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