A good income isn’t a financial game plan.

See where you stand — and how to level up toward financial independence.

Know what to do with your money next — and why.

Play Your Cards Right^®

An extra $200/mo could make work optional 4 years sooner

You could be debt-free 2 years earlier

Time to ramp up your retirement contributions

Built by Financial Advisors

Read-Only Bank Access

Your Data, Your Rules

Play Your Cards Right^® and climb Tobi’s 10 Levels of Financial Wellness — each one a step closer to financial independence.

How It Works Get Early Access

Get Early Access

How It Works

Build your deck

Answer a few questions
to activate your Smart Cards^™

Link your accounts

Connect your banks to the cards for real-time data

Move up the levels

Get friendly insights on where to focus next

Build your deck

Answer a few questions
to activate your Smart Cards^™

Link your accounts

Connect your banks to the cards for real-time data

Move up the levels

Get friendly insights on where to focus next

Get Early Access

Built on Intuitive Design, Trust & Security

Your financial future is our core mission.

Move Up the Levels

Financial success means playing the long game: balancing today's priorities with tomorrow's goals.

As your financial partner, Tobi will watch over your shoulder and guide you through the 10 Levels of financial wellbeing by surfacing the Smart Cards™ that need your attention—even before you realize it's time.

Proactive Insights

A chatbot only answers what you think to ask—and its reply is a probability-driven guess that changes every time. Tobi is built differently: it reads your transactions and real-time data around the clock, surfacing your next move before you ask—in a UI you'll actually love.

Each insight runs on a tax-aware engine of proprietary rules built by financial advisors—so the same question always gets the same grounded answer, tailored to you.

Trust & Security

We built Tobi on trust—not just fancy tech. Your privacy isn't a feature; it's a promise.

Read-only access means Tobi can't move your money, and your bank credentials go to Plaid—we never see them. Most of Tobi runs on deterministic rules, not AI—and when AI helps, like with Ask Tobi, it sees only the data needed to answer your question, never your logins or account numbers, and OpenAI can't train on it. Everything's encrypted, ad-free, and never sold.

Intuitive Design

No clutter. No overwhelm. Just Smart Cards™ you can flip through, focus on, and act on—one move at a time.

It's your financial life, dealt in a way that finally makes sense.

Educational Approach

At its core, wealth creation is about your decisions. Which is why no technological advances can ever be a substitute for expanding your knowledge as you pick up new cards along your journey.

Unpuzzle Your Future

Your future gets clearer when your present is organized. Understand your budget, explore what-if scenarios, project your net worth, see your path to retirement, and more—all with tax-aware models.

Coming Soon

Investment Management

Leave the complexity to us! With automated, personalized investment strategies that are tailored to your unique risk tolerance and financial goals, you'll have the freedom to focus on building the future you've always envisioned.

Move Up the Levels

Proactive Insights

Trust & Security

Intuitive Design

No clutter. No overwhelm. Just Smart Cards™ you can flip through, focus on, and act on—one move at a time.

It's your financial life, dealt in a way that finally makes sense.

Educational Approach

At its core, wealth creation is about your decisions. Which is why no technological advances can ever be a substitute for expanding your knowledge as you pick up new cards along your journey.

Unpuzzle Your Future

Your future gets clearer when your present is organized. Understand your budget, explore what-if scenarios, project your net worth, see your path to retirement, and more—all with tax-aware models.

Coming Soon

Investment Management

Frequently Asked Questions about Tobi

About Tobi

A talking alpaca... and a financial guide in the palm of your hand. Connect your accounts (or enter numbers manually) to build your real financial picture—then use Smart Cards^™ and Levels to turn it into clear next steps.

Smart Cards^™ keep you focused. Each card is a focused view of one topic (like Cash, Debt, or Retirement) so you always know what to look at next—and why it matters.
Levels make progress tangible. Tobi organizes your journey into 10 Levels of Financial Wellness, with clear milestones and next-step guidance—from building a cash buffer and paying down high-interest debt to investing and long-term retirement readiness.
Talk to Tobi. Tobi is here to watch over your shoulder and help you Play Your Cards Right^® as you move up the Levels. Ask questions in plain English ("What should I do next?", "Can I afford this?", "How much should I be saving?") and get a natural follow-up conversation that explains the numbers, the assumptions, and the tradeoffs.
Dashboards keep you oriented. See the big picture at a glance—spending, cash, debt, and net worth—then use Smart Cards™ and Levels to understand what's improving, what's drifting, and what deserves your attention next (with alerts when something looks off).

Tobi is built for people who want to make real financial progress—without living in spreadsheets or getting generic advice. It’s especially helpful if you want a clear, step-by-step path that’s grounded in your actual numbers.

Tobi’s interface is designed around a set of interactive Smart Cards^™—focused, topic-specific views (like Cash, Debt, Retirement, and Investments) that organize your data and surface the next best action. Tobi is designed to grow with you—from foundational guidance to more advanced planning as your finances get more complex. And if you Play Your Cards Right^®, you move up the 10 Levels of Financial Wellness.

You want clarity on what to do next. Smart Cards^™ surface the highest-leverage actions in a sensible order.
You want momentum, not overwhelm. Levels turn big goals into smaller milestones you can actually complete.
You want guidance that reflects your real situation. Link accounts for the most accurate insights, or enter balances manually when needed.
You want to explore “what-if” scenarios. Tobi uses calculators and tax-aware models to run projections and tradeoffs—not guesswork.
You're pursuing FIRE or early retirement. Tobi tracks your savings rate, projects when you can make work optional, and adjusts guidance as you progress.

Tobi runs on a rules-driven financial system. The best part is that we designed it to surface insights without relying on AI at all, and the proprietary rules and calculators are the brain behind the math. And if you ask a question, Tobi uses top-tier LLMs to interpret your question, ask for missing details, and explain results in plain English.

This means that when you ask something that requires real math, the AI doesn’t “guess” the answer from a prompt. Instead, it orchestrates 70+ built-in tools and calculators to run real calculations, forecasts, and projections (including what-if scenarios) against your data.

An LLM (large language model), like ChatGPT, is great at interpreting results, but isn't reliable for computing them—especially when the math gets complex. And even when a chatbot can see your accounts, it still answers from probability: ask the same question twice and the numbers can drift. Tobi uses top-tier LLMs under the hood, but it’s designed to use the LLM as an interpreter and orchestrator—not as the source of truth for the math.

What's more: even small changes and wins ripple through your Smart Cards^™ and financial future, which LLM prompts alone cannot handle. That's why we built 70+ calculators and tax-aware models (76 today) to handle the heavy lifting, so we can reserve the LLM for what it's best at: interpreting your questions and having a natural follow-up conversation about what it all means.

Tobi is grounded in your real numbers. You don’t have to hunt for accounts, paste balances, or keep everything updated.
Tobi uses real calculations. Tobi can call 70+ built-in tools and calculators (76 today), so results are consistent and auditably derived.
Tobi uses adaptive reasoning. Depending on what you ask, Tobi can use a faster or deeper reasoning mode to balance speed with careful analysis.
Tobi is designed for dependable guidance. Tobi is financial guidance with guardrails: clear assumptions, repeatable outputs, and fewer surprises.
Tobi drives confidence through transparency. Tobi can show the inputs used and assumptions—so you can sanity-check quickly instead of wondering what was assumed.
Tobi is proactive. Tobi can surface what needs your attention without you asking—bridging the gap between “you don’t know what you don’t know” and “you don’t know to ask.”
Tobi is faster to get to a useful answer. Instead of a 10–20 minute back-and-forth plus hunting down numbers, Tobi aims for connect → ask → get an answer that already reflects your situation.
Tobi turns advice into next steps. Not just an explanation—clear actions in a sensible order, powered by proprietary prioritization logic designed by a team of financial advisors.
Tobi keeps continuity over time. Your goals and context carry forward, so guidance compounds instead of resetting.

Staying on top of your spending is very important (don’t get us wrong!). And Tobi has a dedicated Budget & Spending Smart Card^™ to show you exactly where your money goes, help you categorize your transactions, and project future spending. But then we take it several steps (okay, cards...) further so you'll be able to prioritize what needs your attention next across your entire (pretty much) financial life.

No—but it's the next best thing. Nearly all financial advisors serve only the top few percent of earners—not because they want to, but because they have to. The demand for financial guidance is massive, and building personalized plans takes time most advisors simply don’t have at scale. So while Tobi does not replace your advisor (if you can afford one), it will be able to guide you—and then keep you—on the right path. And for a no-brainer cost, it’s built to serve the rest of us.

No. He’s an alpaca. Llamas are inferior to alpacas. It’s a known fact.

You bet! We keep hearing over and over: the biggest obstacle to wealth creation is grasping the how and why. So we're putting our mascot Tobi to work to earn his keep! He'll deep dive into the most critical aspects of wealth creation—for free at Tobi's Academy, whether or not you sign up for the app. And inside the app, each Smart Card^™ includes a Learning page with linked videos and helpful blogs—so you can go deeper right when you need it.

Trust & Security

We built Tobi on trust—not just fancy tech. Your privacy isn’t a feature; it’s a promise.

Read-only by design. Tobi receives read-only access to account data like balances and transactions, and can’t move money or make transactions.
Secure account linking. We partner with Plaid, the industry leader in financial data aggregation. Your bank login credentials go directly to Plaid—Tobi never sees or stores them. Plaid is SOC 2 Type II certified.
Encrypted in transit. All communication between your device and our servers is encrypted using modern TLS.
Encrypted at rest. Data stored on our servers is encrypted at rest using industry-standard AES-256 encryption (commonly used across industry, including financial institutions).
Access controls. Your data is scoped to your account using authenticated tokens and access controls designed around least-privilege.
You’re in control. Enjoy an ad-free experience—and we’ll never sell your data.

No. Tobi provides insights that are deterministic and not LLM-driven. And if you do ask Tobi a question, it uses OpenAI’s API under terms that contractually prohibit OpenAI from using your data—your inputs, outputs, and any feedback—to train or improve its models. Your financial data is yours: we don’t sell it, and it isn’t used to train AI.

It really helps if you do! Tobi is designed for real-time insights and alerts, which work best with a real-time view into your finances. This is why we partnered with Plaid, the industry leader in secure financial data aggregation, to link your accounts safely and privately. That way your login credentials are never seen or stored by us. But if you have accounts that are not supported by Plaid, you can enter and update account balances manually as well.

No—Tobi is read-only by design. That means you can’t move money or make transactions through the app. This keeps your accounts safe and ensures Tobi stays focused on insights, not access.

Features

Absolutely! Tobi brings your accounts together so you can see your net worth on the main dashboard—and track how it changes over time. If you add a few key details about your goals (like your target retirement age), Tobi can also run long-term projections to help you understand where you’re headed.

Sure can! Tobi is built around a dedicated Budget & Spending Smart Card^™ that makes it easy to see where your money goes, how your spending changes over time, and what’s driving your cash flow.

Yes! Tobi’s Debt Smart Card^™ helps you understand your debt picture and prioritize paydown—so you can focus on the balances that matter most and see how different payoff strategies change your timeline.

Yes! You can link your retirement and brokerage accounts to see how they fit into your overall picture and impact your net worth. Tobi also uses your investment balances and contributions to power projections and planning.

Yes! Tobi is built for people who want to make work optional—whether that's at 65 or 45. Set your target retirement age, and Tobi will project whether you're on track based on your real accounts, contributions, and spending.

Tobi tracks your savings rate across all accounts (401k, IRA, brokerage, and more), runs what-if scenarios, and even accounts for early withdrawal penalties and tax-aware withdrawals. If you're already sustainable—"Coast FIRE"—Tobi recognizes it and adjusts your guidance accordingly.

It depends on your situation—and Tobi does the math for you. Tobi's prioritization engine compares your debt interest rates against expected investment returns (tax-adjusted) and tells you where your next dollar should go.

The general order: starter emergency fund → credit card payoff → get employer match (if any) → tackle remaining high-interest debt → build additional cash reserves → max out tax-advantaged accounts → tackle remaining debt that exceeds the expected rate of return on your investments → ramp up your non-retirement investments. But Tobi personalizes it based on your actual rates, balances, and goals.

Definitely! Tobi can surface important changes and anomalies—so you don't have to constantly check your accounts to notice when something drifts.

Yes! Money is a team sport, so you can link joint and spousal accounts to keep your finances organized and get guidance based on your full household picture.

No problem! If an account can’t be linked, you can still enter and update balances manually—so it shows up in your net worth and planning.

Getting Started

Try Tobi free for 30 days. After that, it's just $9.99 a month—about the cost of a bale of hay—or $89 a year if you want to save. Cancel anytime.

We want to ensure a seamless experience for everyone, so spots are limited. Join the waitlist to secure your place, and we’ll notify you as soon as a spot opens up!

Join the Waitlist

Life deals each of us a different set of cards.

But only you can choose if they define your past — or if they can pave the way for your future.

Take your cards into your own hands.

Share with your network