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How the action engine works

From data to action in 3 minutes.

The AI-powered financial action engine for spending, budgets, bills, investments, net worth, and credit - turning every signal into a clear next step.

15,000+ US & Canadian institutions supported.

5 simple steps

Set up once. Let your Copilot do the rest.

01

Connect accounts securely

Link banks, cards, loans, mortgages and investments via Plaid in under 60 seconds - read-only and encrypted.

02

AI analyzes your finances

AI Copilot learns your in-flows, out-flows, merchants and rhythms - across days, weeks, months and quarters.

03

Detect money leaks

Ghost subscriptions, duplicate charges, price hikes, idle cash - surfaced automatically with $ impact.

04

Get smart recommendations

One-tap actions: cancel, switch, move, refinance. Each suggestion shows exactly how much you'll save.

05

Improve savings & net worth

Watch your cash flow strengthen, debt drop, and net worth climb - with calm, ongoing guidance.

Safe & read-only

Bank-grade security by design.

256-bit encryption
Military-grade encryption on every sync.
Read-only access
We can never move your money. Ever.
Trusted aggregators
Powered by the same partners major fintechs use.
Coverage

Your full financial picture in one place.

Checking

Spending, transactions and balances across every checking account.

Savings

Balances, transactions and transfers between savings accounts.

Credit cards

Spending, payments and interest in one unified feed.

Mortgage

Track payments and get reminders before due dates.

Investments

Holdings and balances for brokerages and retirement.

Loans

Student and auto loans - balances and payments.

The AI difference

Ask anything. Get money answers.

Most apps show you transactions. MoneyPatrol AI tells you what to do next - in plain English, on demand.

  • "How much did I spend on Amazon last 3 months?"
  • "Where can I save $200 this month?"
  • "Forecast my balance through December."
Try the AI Assistant
How does my grocery spending compare to my 6-month average?
MoneyPatrol AI
You're 12% lower than your average - saved $74 so far. On current pace you'll end the month $110 under budget.
FAQ

Questions, answered.

Your money is your life. Spend it well.

Start your Essential free trial and let MoneyPatrol AI find your first money leak today.

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15-day free trial on Essential · Trial terms