Your money,
finally explained.
Connect read-only financial accounts. Chocolatey AI turns transactions into clear budgets, warnings, and next-step plays.
Not financial advice. Educational insights based on your data.
Stop guessing. Start knowing.
Everything you need to manage your financial life in one place, driven by intelligence and read-only account data.
Instant AI Insights
Deep dive into your spending, subscriptions, debt, and growth automatically.
Cash Flow Guard
Predicts shortfalls before they happen with 30-90 day forecasting.
Budgets + Alerts
Set hard and soft caps with intelligent warnings when you're nearing thresholds.
Net Worth Tracker
Real-time view of assets vs liabilities across all connected accounts.
Financial Goals
Set and track smart targets for savings, debt payoff, and investing.
Transaction Clarity
Turn connected account activity into cleaner categories, budgets, and alerts.
Your spending is up 27% over the national average for groceries.
Canceling two unused subscriptions could save $1,200 this year.
Paying off your credit card early could save $2,400 in interest.
Based on your cash flow, you could invest $250/month.
Optimization Potential
Insights that actually
make you money.
Chocolatey AI doesn't just show you graphs. It highlights waste, identifies growth, and offers specific plays to improve your net worth.
Designed for Security.
Read-only connections. Industry-standard encryption. Least-privilege access. We never sell your data. You control what's connected.
Inside the Dashboard
Overview
Comprehensive view of your net worth, income vs expenses, and key alerts. See trend lines that matter at a glance.
Net Worth
Savings Rate
Cash Flow Guard:
Never go bust.
The only dashboard that looks forward, not just backward. Our AI analyzes your upcoming bills and historical spending to predict shortfalls before they happen.
Critical Warning
“You'll be $200 short before your next paycheck if spending stays on trend.”
Projected Shortfall
-$250.00
Predicted for Oct 24
Guardrails that stop
dumb money mistakes.
Coming in Phase 2: Full financial accounts
Spending Limits
Hard, soft, and alert caps on any category.
Custom Alerts
By category, merchant, or threshold.
Cards (Virtual + Physical)
Manage spending at the point of sale.
Business Separation
Clean separation between personal and LLC.
Shared Accounts
Built for families and small teams.
A co-pilot that shows up
at the moment of purchase.
Browser Spending Companion
"This would exceed your weekly discretionary budget."
AI Money Chat
"Can I afford a $40k car?"
How much can I safely invest each month?
Based on your last 3 months, you have an average surplus of $850.
I recommend $400 into your S&P 500 fund and keeping $450 as a cash buffer for your holiday trip.
Our Build Plan
Transparent. Ambitious. Staged for stability.
Phase 1: Connection + Insights
- Financial account connections
- AI Insight Engine (Spending/Savings)
- Cash Flow Guard predictive timeline
- Core dashboard preview
- Core Dashboard modules
Phase 2: Banking + Controls
- full financial accounts
- Chocolatey AI Physical & Virtual Cards
- Hard/Soft merchant spending caps
- Shared family & business accounts
- Smart recurring bill payment
Phase 3: Wealth + Growth
- Investment portfolio aggregation
- Crypto & Alternative asset tracking
- AI Rebalancer insights
- Retirement & FIRE planning
- Tax harvesting optimization