AI personal budgeting and money management app
A budgeting app under your brand that helps people take control of their money, with AI as a friendly guide. Designed around how your business works, connected to the tools you already use, and live in weeks, usually at a fraction of the cost of off-the-shelf software.
The problem
People struggle to keep on top of bills, spending and saving, and the organisations that support them, from advisers to employers and housing providers, have no easy tool to offer. Off-the-shelf apps aren't branded, don't connect to your services and don't tell you who needs help.
What's inside, and where AI does the work
Every module is optional. Start with what matters most and add the rest as you see results.
What's inside
- Personal budgets and spending categories
- Bill and subscription tracking
- Savings goals and progress
- Bank connection through Open Banking or simple uploads
- Money guides and checklists
- Secure messaging with your advisers
- Anonymised reporting on engagement and outcomes
Where AI does the work
- Categorises every transaction automatically
- Builds a realistic budget from real spending
- Spots savings: unused subscriptions, cheaper bills, money left on the table
- Explains finances in plain English and answers everyday money questions
- Flags when someone may need help, so your team can reach out early, with their consent
The AI gives guidance and education, not regulated financial advice; anything that needs advice goes to your qualified team.
What it does for your business
Connects to what you already use
How it works
Describe it
Our AI brief builder asks a few questions about your business. About 5 minutes.
Plan and price
A plan, the screens you'll get and a fixed price within 2 working days.
We build it
A preview link to click through and comment on as it takes shape. Typically 2 to 6 weeks.
We look after it
Hosted, secured, updated and improved, with AI spending limits you set.
Questions
Does the AI give financial advice?
No. It helps people understand and organise their money and answers general questions. Anything that needs regulated advice is passed to your qualified advisers.
Is people's financial data safe?
Yes. Bank data is read through regulated Open Banking providers with the person's consent, access is tightly controlled, and data is never sold or used to train AI models.
Can we offer it under our own brand?
Yes. It's built for you, with your name, colours and services, for your clients, members, residents or staff.
How much does it cost?
You get a fixed price for the build, agreed before we start, then one monthly fee covering hosting, support, updates and AI running costs within limits you set. Because we build on our own ready-made core, it usually costs a fraction of off-the-shelf software with per-user licences.
How long does it take?
Most first versions are live in 2 to 6 weeks. Describe what you need and we'll send a plan with a timeline and fixed price within two working days.
Do we own our data?
Yes. Your data is yours, you can export it whenever you like, and it's never sold or used to train AI models.
Get a plan for your AI personal budgeting and money management
Describe what you need in five minutes. We'll come back with a plan and a fixed price within two working days. Prefer email? hello@crosstownhq.com