Privacy-first budgeting
Money advice that actually gets you.
Kotari tracks spending, builds budgets, and gives you honest, personal financial advice through an AI advisor that knows your real numbers -- not generic tips. Your data stays yours, always.
No credit card needed. Connect a bank or track everything by hand -- your call.
An advisor, not a spreadsheet
Ask Kotari anything about your money and get a straight answer, grounded in your actual transactions -- in whatever tone fits you, from friendly to tough love.
Private by design
Your financial data lives in your own account, not sold or shared. Blur your numbers on screen anytime, and connect a bank only if you want to.
Budgets that actually fit
Simple monthly limits or full envelope budgeting -- and if you're not sure where to start, Kotari can suggest numbers based on your own spending.
Goals you can see progress on
Set a savings goal, watch the ring fill in, and get nudged (gently) when you drift off track -- never guilt-tripped.
Ready to see where your money actually goes?
Takes about a minute to set up. No card, no catch.