Sample balances, for illustration only: Checking $48,644.16 (today), 401(k) $214,918.40 (3 days old), Brokerage $174,085.25 (today), Crypto $8,321.52 (today), Home $486,000.00 (estimate), Mortgage −$311,240.00 (today), Car loan −$17,262.34 (today), Card points 182,400 pts (today), Airline miles 64,000 miles (today), Hotel points 91,000 points (today).
Every account, one number you can trust.
Checking, retirement, brokerage, crypto, your home, your loans and your points, added into one net worth. Every figure shows where it came from and how fresh it is.
Illustration with sample figures: eight accounts, Checking $48,644.16, 401(k) $214,918.40, Brokerage $174,085.25, Crypto $8,321.52, Home $486,000.00, Mortgage −$311,240.00, Car loan −$17,262.34, Card points $2,736.00, add up to one net worth of $606,202.99, as of 8:12 AM today. The 401(k) balance is marked 3 days old. In the animation, sample updates arrive every few seconds (a paycheck, market moves, a loan payment, points posting) and the total follows them; these starting figures are what it returns to.
Your points, turned into trips.
She keeps every program’s balance in one place and shows what it could cover, and roughly what it’s worth.
Illustration with sample figures: Card points 182,400, Airline miles 64,000, Hotel points 91,000 (337,400 in all) flow into flight paths from New York to four sample trips: Lisbon, for two (round-trip flights and four hotel nights), about 196,000 points, an estimated value of $3,180; Tokyo, for two (round-trip flights and five hotel nights), about 262,000 points, an estimated value of $4,640; Cape Town, for two (round-trip flights and six hotel nights), about 238,000 points, an estimated value of $3,920; Reykjavik, for two (round-trip flights and three hotel nights), about 124,000 points, an estimated value of $1,960.
She notices, so you don’t have to.
Monetessa, your AI assistant, flags the few things that matter, like a bill that crept up or a statement date worth knowing. She never moves money and never tells you what to buy or sell.
Illustration: the Ask button, a ring of fine ticks around an M, shimmers when Monetessa has something new, and a note slides up. Sample notes from Monetessa, labeled AI:
- Your streaming bill went up $3 this month. Was $15.49, now $18.49.
- Your card statement closes Friday. Paying before then lowers your reported utilization. Utilization is the share of your card limits in use.
- You haven’t used a $12.99 subscription in 60 days. It renews on the 14th, so there’s time to decide.
- 12,000 hotel points expire next month. Any stay or small redemption usually keeps them active.
- You’re on track for your Lisbon trip goal. $2,340 of $3,000 saved. At your usual pace, about 3 more months.
- Dining is above your usual this month. $642 so far, compared with about $480 in a typical month.
- Your emergency fund covers about 4 months of expenses. Based on your spending over the last 6 months.
- A new card inquiry showed up on your credit. From your credit log, 3 days ago. If you didn’t apply for anything, it’s worth a look.