Insights AI
HALO reads every transaction and surfaces the two or three things that actually matter this week.
AI personal finance · early access
Money,
minded.
HALO is the AI companion that watches every account, explains every fee and automates the busywork — so your money manages itself, calmly.
- average rating
- 4.9★
- average rating
- members
- 2.4M
- members
- tracked
- $18B
- tracked
01 / See everything
Every account, card and wallet in one clean timeline
Checking, savings, credit cards and cash accounts — reconciled automatically and shown as one honest balance, not four different apps.
02 / Understand
HALO explains every fee, trend and anomaly in plain language
No jargon, no spreadsheets. HALO reads every statement and tells you what changed and why, in one plain sentence.
03 / Automate
Rules that move money while you sleep
Round-ups, sweeps, bill smoothing — automations that run themselves. Set a rule once; HALO keeps it running quietly in the background.
04 / Grow
A savings ring that closes itself
Every goal gets its own ring. HALO recalculates your daily save rate automatically, so the ring closes exactly on time.
One app · every account
One app. Every account.
Download onApp StoreGet it onGoogle Play
“The first finance app that explains itself.” — The Ledger Weekly“HALO's savings rings actually work.” — Northbound Money“Automations that feel invisible, in the best way.” — Fintech Signal“Calm, confident, and refreshingly jargon-free.” — Personal Capital Digest“2.4M members and it still feels handmade.” — Product Notes
Everything HALO does
Six habits, running quietly in the background.
Round-ups
Every purchase rounds up to the nearest dollar, straight into savings.
Shared spaces
Joint goals and bills, visible to family — private accounts stay private.
Instant alerts
Duplicate charges, fee hikes and odd logins flagged the moment they happen.
Forecast
See your balance 30 days out, before it surprises you.
Bank-grade security
256-bit encryption, read-only connections, and you're always one tap from disconnecting.
4.9★
average rating
2.4M members
trust HALO daily
$18B tracked
in linked balances
256-bit
encryption, always on
Pricing
Start free. Automate when you're ready.
Free
See everything, understand the basics.
$0forever
- Unlimited linked accounts
- Spend insights & trends
- Weekly digest email
- 1 savings goal
Plus
Automate the money habits that compound.
$6/ month
- Everything in Free
- Unlimited savings goals + auto-save rings
- Round-ups, sweeps & bill smoothing
- Anomaly & fee alerts in real time
- Priority support
Family
Shared visibility without shared passwords.
$12/ month
- Everything in Plus
- Up to 5 members, individual logins
- Shared spaces for joint goals & bills
- Household forecast & allowance controls
- Dedicated onboarding specialist
Need the full comparison? See every plan side by side.
Questions
Good to know.
No. HALO is a personal-finance companion that connects to your existing accounts. Banking and card services, where offered, are provided by partner financial institutions — your money stays where you already bank.
Every connection uses bank-grade, 256-bit encryption in transit and at rest. HALO never sells your data, and you can disconnect any account or delete your data at any time from Settings.
You choose. Common rules: round every purchase up to the nearest dollar into savings, sweep idle checking balance above a threshold into a high-yield account weekly, and smooth irregular bills into a flat weekly amount.
Only what you choose to share. Shared spaces (Family plan) show joint goals and bills to invited members — your individual accounts and categories stay private unless you add them to a shared space.
Yes. Plus and Family are month-to-month with no contract — cancel from Settings and you'll keep access through the end of the billing period. Your data export is always free.
Start today
Let your money
manage itself.
Join the waitlist and be first onto HALO as we roll out access — most members are in within a few weeks.