Kasmos connects your banks, cards, investments, loans and insurance, then watches over everything around the clock, surfacing what matters and answering any money question in plain language.
Headspace and your Apple One both include meditation, so cancel one to save $12.99/mo.
Your accounts, cards, investments and bills live in separate places, so things slip through the cracks, and no one's connecting the dots for you.
Cash sitting in a 0.01% account while inflation quietly eats it, and no one tells you.
Forgotten subscriptions, unused card perks, and a renewal you could have shopped, all costing you every month.
A genuinely complex financial life, and no one to explain what it means or what to actually do next.
Kasmos is an AI-powered personal financial operating system that brings your entire financial life into one place, and actually understands how the pieces fit together.
Kasmos knows your real numbers (your actual spending, accounts, cards and goals), so its answers are specific to you, not generic advice off the internet.
You have 14 active subscriptions ($287/mo). 3 haven't been touched in 45+ days.
Your real monthly baseline is $3,280 (from your transactions, not a guess). $12,400 saved = 3.8 months.
Your GEICO policy renews October 14, 34 days out. That's your optimal window.
Every bank, card, loan and investment account in one live view, with your true net worth, credit-card utilization, and how many months of expenses your cash really covers.
Transactions are categorized automatically the moment they land, with rich detail on dining, groceries, transport and shopping. Set budgets and Kasmos tracks your pace for you.
You shouldn't have to go looking for problems. Kasmos watches 24/7 and reaches out, with a push notification, the moment something's worth your attention.
See your holdings, allocation, and day-by-day performance across every brokerage and retirement account, without the jargon, and without logging into five different apps.
The small, scattered stuff competitors ignore, and Kasmos turns it into money saved.
Track every perk and credit across your cards, see which card to use where, and coach your spend toward more rewards.
Auto-detect your policies, get renewal alerts before you overpay, and snap a photo to store digital insurance cards.
Photograph a receipt and Kasmos reads it, finds the store's return window, and warns you before it closes.
Deductions tracked year-round as they happen (HSA, charitable, mortgage interest and more), with a federal estimate.
Compare Standard, SAVE, IBR, PAYE and PSLF side by side, and see when you're ready to buy a home.
Merge two financial lives into one shared picture, with every account and goal tagged by who it belongs to.
Kasmos scores your financial health across nine dimensions and recomputes it every night, so you can watch it climb as you make better moves, and always know what to work on next.
Connect once. Kasmos activates instantly and comes to you from there.
About 60 seconds. No lengthy forms, no credit checks, no commitments.
Securely link your banks, cards and investments through Plaid in under a minute.
It monitors everything 24/7 and surfaces what matters, before it becomes a problem.
Most finance apps show you charts of what already happened. Kasmos works across your whole financial life, and tells you what to do.
Bank-grade security, read-only access, and a business model that never depends on selling your data.
Your data is encrypted at rest and in transit, the same standard used by major financial institutions.
Kasmos connects to read and analyze. It can never move, touch, or spend your money.
Remove any institution in one tap, and your linked data is deleted from our systems.
No selling your financial behavior to third parties. Revenue comes from subscriptions and transparent referrals. That's it.
Connect your bank and experience Kasmos at no cost. Early members get Kasmos Pro on us.
Connect your bank and experience the Kasmos AI coach with no commitment.
Connect everything. Kasmos watches your entire financial universe and comes to you when it matters.
Beyond subscriptions, Kasmos earns transparent referral fees when you choose to get insurance quotes, file taxes, or apply for a card through a partner. These never influence our recommendations. We will never sell your data. We will never offer cash advances.
Yes, the Free plan lets you connect your bank, see your spending and net worth, and use the AI coach at no cost, forever. Kasmos Pro unlocks unlimited accounts plus investments, cards, insurance, taxes, loans, the health score and couples mode. The first 1,000 members get Pro free for 12 months.
Your data is encrypted with bank-level 256-bit encryption at rest and in transit. Bank connections run through Plaid, so your login credentials never touch our servers, and Kasmos has read-only access, so it can never move your money. You can disconnect any institution at any time.
Kasmos connects through Plaid, which supports more than 12,000 banks, credit unions, card issuers and brokerages across the US, the same network behind apps like Venmo and Robinhood.
Never. Kasmos makes money from subscriptions and transparent referral fees, never by selling your financial behavior to third parties, and never through cash advances or fees that profit when you struggle.
Yes. Couples mode merges both of your financial lives into one shared view, with every account, goal and category tagged by who it belongs to, so you can finally get on the same page.
It answers money questions using your real numbers (your actual transactions, balances, cards and goals), so the advice is specific to you. It can also take action for you: set a budget, recategorize a charge, or create a rule, right inside the conversation.
Kasmos is built for iPhone and rolling out through early access now, with Android on the roadmap. Join the waitlist and we'll reach out when your spot opens.
Join the waitlist for early access. Free to join, and the first 1,000 members get Kasmos Pro free for a year.
Early access, partnerships, press, or anything else: we'd love to hear from you.