Your Financial Age
One score from your savings, debt, and net worth — so you can see whether your money is running ahead of your age or behind it.
32financial age in this example · 4 yrs ahead of pace
Actual age28
+4 yrs
Financial age28
The new standard of wealth
Your money has a
financial age.
Know it. One number that tells you how your money habits are really trending — at a glance.
7 days free, then $12.99/month plus applicable tax. Cancel anytime during your trial and pay nothing.
Financial AgePocketsRewardsAdvisor
Why Open Wallet
Your bank knows everything about your money. Now you do too.
Link your real accounts and Open Wallet reads what's actually happening — then turns it into plain-English direction. Not generic advice. Your advice.
Connect
Securely link your real bank accounts in seconds — read-only access, always encrypted.
Analyze
We read your actual spending, debt, and net worth — and keep watching as it changes.
Direct
An advisor that knows your situation hands you the clear next move.
Four things that actually make a difference.
Most financial apps give you data. Open Wallet gives you direction.
Pockets
Split one balance into buckets that always add up — rent, trips, rainy days — with no new accounts to open.
$8,200one example balance · 4 Pockets, always reconciled
Savings balance$8,200
Bills $2,400
Emergency $3,100
Vacation $1,900
Unallocated $800
Rewards
For every purchase we flag the card in your wallet that earns the most, so you stop leaving cash back behind.
Every swipechecked against your wallet · the best-earning card, flagged automatically
Dining on Quicksilver
1.5×
Dining on Sapphire
3×
+$72 / yr on dining alone, in this example
Open Wallet Advisor
An advisor that's actually read your numbers. Ask anything and get a straight answer, not a sales pitch.
Ask anythingevery answer computed from your real numbers by code — never a guess
How much can I save toward Japan this month?
You have $420 of cash-flow room. $50/wk puts you at 70% by April.
Honest AI
Code computes every number. The AI only phrases it.
Every number you see was computed from your transactions by code — the model only phrases it. That's a hard rule our tests enforce, not a marketing line.
Code owns the math
Balances, budgets, and every figure the advisor cites are calculated deterministically from your synced transactions. The AI is never asked to do arithmetic — so it can't get it wrong.
It proposes. You apply.
The advisor can suggest a budget change or flag a bill, but it never executes anything itself. You tap Apply — then deterministic code runs. It couldn't move money even if you asked.
Never trained on your data
Our AI providers are contractually barred from training on your content, and we send only what a feature needs — never your credentials, which we don't have.
PRICING
Simple pricing. No surprises.
One plan. Everything included. No free tier, no feature gates — and you can cancel anytime.
7-DAY FREE TRIAL FOR NEW MEMBERS
$12.99/ month
or $99.99/year save ~36%
- Financial Age Score
- Rewards card optimizer
- Open Wallet Advisor
- Auto-created budgets
- Plaid bank connections
- Transaction categorization
- Weekly AI recap
- Goals tracking
7 days free, then $12.99/month plus applicable tax. Cancel anytime during your trial and pay nothing.
Annual plan: $99.99/year plus applicable tax, billed annually — it auto-renews until you cancel. U.S. residents, 18+ · prices in USD.
FAQ
Fair questions, straight answers.
The short versions — full answers live in the help center.
Can Open Wallet move my money?
No — and we couldn't if we tried. Our access through Plaid is read-only: we can't initiate transactions, move money, or change your accounts in any way. Your bank login goes directly to Plaid — we never see or store it.
How does the free trial work?
New members get 7 days free. A card is required to start, but you won't be charged during the trial — cancel before it ends and you pay nothing. After the trial it's $12.99/month or $99.99/year plus applicable tax, and it auto-renews until you cancel.
How do I cancel?
Anytime. Go to Settings → Billing and choose Manage billing & cancel — the secure Stripe portal opens and cancelling takes a couple of taps. You can also email support@openwalletfinance.com. Cancelling stops future charges and keeps your access until the end of the period you've paid for.
What do you store, and how is it protected?
The balances, transactions, and recurring items we sync from Plaid, plus what you create in the app — budgets, pockets, goals. Everything is encrypted in transit (TLS) and at rest (AES-256). Plaid access tokens are stored server-side only, encrypted — and your bank credentials are never stored, because we never see them.
Can I export or delete my data?
Both, any time. Download a full export of your data from the Account page. Delete your account in-app and we revoke the bank connection at Plaid and permanently delete your data from our systems within 24 hours.
Is this financial advice?
No. Open Wallet Finance is a financial information and educational tool — not a bank, not a registered investment advisor, and not a fiduciary. The Financial Age Score is an estimate, not a verdict — and not a credit score.