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AI-powered household finance

Manage your finances
together, without the fights

Carmen is the AI assistant that helps couples track spending, split expenses, and build wealth — all in one place. No spreadsheets, no arguments.

Everything you need

One app for budgets, tracking, goals, rewards, and AI-powered insights. Built for real life.

AI-Powered Insights

Carmen learns your spending patterns and provides personalized recommendations.

Household Finance

Track expenses together with your partner. Shared budgets, split costs, zero stress.

Smart Budgets

Weekly, monthly, or quarterly budgets that adapt to your life rhythm.

Card Optimizer

Automatically suggests the best credit card for every purchase to maximize rewards.

Savings Goals

Set goals, track progress, and celebrate milestones together as a team.

Bank-Level Security

End-to-end encryption, MFA, and full CCPA compliance. Your data stays yours.

How it works

Up and running in under 5 minutes.

1

Sign up in seconds

Create your free account and name your household.

2

Connect your accounts

Link your bank accounts or log transactions manually — your choice.

3

Let Carmen help

Get AI insights, budget alerts, and reward tips via chat or Telegram.

Simple pricing

Start free. Upgrade when you are ready.

Free

Perfect for getting started

$0forever
  • 1 household member
  • Manual transaction entry
  • Basic budgets & categories
  • Savings goals
  • Monthly summary
Most Popular
Pro

For individuals who want more

$7.99/month
  • Everything in Free
  • Bank account sync (Plaid)
  • AI chat assistant
  • Smart card recommendations
  • Advanced budget cadences
  • Data export
Connected

Built for couples & families

$12.99/month
  • Everything in Pro
  • 2 household members
  • Expense splitting & settlement
  • Telegram bot integration
  • Shared goals & budgets
  • Priority support

Ready to take control?

Join hundreds of couples who manage their money together with Carmen. No credit card required.