Features
Four habits, running quietly.
HALO isn't a dashboard you have to check — it's a companion that watches, explains and acts, so managing money stops feeling like a chore.
01 / See everything
Every account, in one honest timeline
Checking, savings, credit cards and cash — HALO reconciles every connected account automatically and shows you one balance you can trust, not four apps to cross-check.
- Unlimited linked accounts
- Real-time balance sync
- Spend-by-category donut, always current
02 / Understand
Insights that explain themselves
HALO reads every statement and translates it into one plain-language sentence: what changed, why, and whether it matters. No dashboards to interpret.
- Plain-language anomaly summaries
- Category trend bar charts
- Weekly digest, zero spreadsheets
03 / Automate
Rules that move money while you sleep
Round-ups sweep spare change into savings. Idle cash sweeps into a higher-yield account weekly. Irregular bills smooth into a flat weekly amount. Set once, forget safely.
- Round-up to savings on every purchase
- Scheduled sweeps with a floor you set
- Bill smoothing for lumpy expenses
04 / Grow
A savings ring that closes itself
Every goal gets its own progress ring. HALO recalculates the daily save rate automatically as your income and spending shift, so the ring closes exactly on time.
- Unlimited goals on Plus and Family
- Auto-adjusting daily save rate
- Milestone nudges, not guilt trips