SmoothyHi, I'm Smoothy.
I run your money.
I connect to your bank, catch every deposit, and route it into bills, savings, investing, and goals — automatically. You stop budgeting. I do the math.
See your budget in real numbers.
Drop in your paycheck. Pick how often you get paid. Our AI builds a personalized budget you can actually live with.
Your income
Per paycheck — not monthly. We do the math.
Your custom plan appears here
Enter your paycheck on the left and we'll show you exactly where every dollar should go.
An AI that actually moves your money.
Not another budget tracker. A financial control system that adapts to every paycheck.
Income detection
Every deposit is identified, classified, and routed in real time across your buckets.
Goal automation
Set a target. AI funds it from each paycheck and forecasts your finish date.
Adaptive allocation
Income up? More to investing. Income down? Flex shrinks first. You stay in control.
Spending intelligence
Catch spend spikes, recurring subscriptions, and patterns the moment they happen.
Spend Guard
About to overspend? AI shows you exactly what you'd lose — before you tap pay.
Money health score
One number that tells you exactly how your finances are trending — and why.
Real users. Real savings.
Average Pro user saves $143/mo in their first 90 days.
"Saved $2,400 in my first 4 months. The AI caught three subscriptions I forgot about on day one."
"Spend Guard literally stopped me from a $400 impulse buy. Smoothy paid for itself in one weekend."
"Wealth tier feels like having a CFO. The DCA scheduler runs my investing on autopilot now."
Let Smoothy run the math.
Join 47,000+ people who handed their money over to Smoothy. Free forever plan, no credit card, cancel anytime.