Your money in 20/20.
Every paycheck gets a plan, every bill gets a pocket, and you can see what's left.
Hey there.
A pretty normal week ahead.
fills Rent, Duke Energy and Geico +6
Yours to spend after bills
Pockets take $1,157 of $1,640
Every bill gets a pocket.
Before each payday, you see what every bill needs from that check, and what's left for you.
Of $1,640.00 expected Oct 7, your pockets take $1,157.00.
Every plan gets a date.
Say what you want and what it costs. It finds room in your paychecks, fits it around everything else you're planning, and shows when you'll get there.
First home
Right now your plan pays for the card and the emergency fund. After them, it goes to the home.
Anything you can do in the app, just ask.
Move a bill to another check, plan a trip, or ask why this week feels tight. The Advisor can change anything in the app, and shows you the change before you tap Apply.
It asks youIf something's unclear, it asks you first.
When a check comes in bigger than usual, or a new bill or Roadmap date shows up, it asks one short question before it plans. Answer in your own words.
Code computes the figures we show; AI only explains.
Balances, pocket shortfalls and plan figures are worked out from your transactions by code before anything reaches the Advisor. Nothing changes until you tap Apply.
AdvisorPlanning amount: $1,640 a check.
Here's the change.Plan the paycheck, not the month.
Open Wallet Finance helps you plan upcoming bills around each paycheck.
Each bill gets a share of the paycheck before it. If one looks short, you see it ahead of time and choose what to do.
Every other Wednesday, the 1st and 15th, or checks that never match. Tell the Advisor how you're paid and each bill lines up with the check that pays it.
When a bill moves or a check comes in different, the Advisor reworks the plan and shows you what changed. Tap Apply and it's done.
Why I built this
I was reading about saving and budgeting at seventeen, and I still got it wrong. My pay came in at odd intervals, I mistimed one month, and I ended up somewhere I never wanted to be. Knowing better didn't save me.
Every tool I tried explained a month I'd already lived. This is for whoever's sitting there with fifteen dollars in checking, doing the math on dinner. I've been there.
That's why it's called Open Wallet Finance. I'll share how I save and what I've gotten wrong.
Straight answers.
When can I start?
Leave your email and we will invite you when it is your turn. You create your own account then. We do not make one for you.
My pay is all over the place. Will this work?
Yes, that's who it's for. Tell Open Wallet Finance how you're paid, and each bill lines up with the check that pays it.
Does it move my money?
No. Pockets label money already in your bank. The Advisor proposes a change and shows it to you first. You tap Apply, or you don't.
Why does it ask me questions?
Because some things don't show up in transactions, like whether a bigger paycheck was a one-time bonus. It asks when your answer would change your plan. Skip any question, ask for fewer, or turn them off in Settings.
Which banks and cards work?
Banks, credit cards, loans and brokerages that Plaid supports.
Is this financial advice?
No. It helps you see and plan your own money. Each suggestion shows what it would change before you apply it.
Ready when you are.
Leave your email. We will invite you when it is your turn, and you create your own account then.