The short answer: OptiAI® builds a household budget from real spending: upload a statement or photograph a receipt, review each transaction, and set envelope limits with optional rollover. You can connect one bank on Full Access (two on the One plan) or skip it. Full Access is free; the One plan is $4.99/month or $49.99/year.
Money In, Money Limits, Money Out
Where money comes from, what each category is allowed, and what actually went out, each with its own summary.
Read a statement or receipt
Upload a statement or photograph a receipt. You review every transaction before it touches your budget.
Envelopes that roll over, or not
Choose per category whether unused money carries into next month.
Optional bank connection
Connect a supported bank for live balances (read-only), or skip it and import statements yourself.
Share only what you choose
Share Money In, Money Limits and Money Out separately with a partner.
More than one currency
Accounts in other currencies are converted for display; the original amount stays on the record.
Why household budgets stall
Most budgets fail at the setup: typing in months of transactions by hand. Reading a real statement removes that hour. Because OptiAI is also your family calendar and shopping list, the budget sits where the rest of the household already lives. Read the full budgeting overview or the envelope budgeting guide.
Informational, not advice
Suggested budgets and AI commentary are educational. They are not investment, tax or legal advice.