Connect the accounts you choose
BuddyYour checking and savings are connected. I can read balances and posted activity, but I cannot move money.
Meet Buddy
Your personal AI finance manager.All by text.
Connect your accounts once. Buddy turns balances, spending, bills, and budgets into a conversation built around your pay cycle.
Read-only access. Personalized answers. No money movement.Your SMS AI agent
Ask Buddy.
Buddy uses read-only access to the bank accounts you choose. It combines current balances, posted transactions, expected bills, budgets, income, goals, and your pay schedule to tailor every SMS conversation to your financial picture and current pay period. It can explain your money, but it cannot move it.
Buddy “I can read the accounts you choose, but I can never move your money.”Buddy “I tailor answers to the budgets, goals, and pay cycle you confirm.”Buddy “Text me naturally from the messaging app already on your phone.”
SMS-first AI agent“Text me what you want to understand about this pay period.”
View-only financial access“I can explain your money, but I cannot move it.”
Tailored to your pay cycle“I use the schedule, budgets, and goals you confirm.”
Optional daily morning text
Your money. Before your day starts.
BuddyDaily morning summaryBuddyGood morning! You have $1,248 in checking. After your $200 buffer and Thursday's $214 in bills, about $84 is safe to spend this week.
Fictional example. Optional and based on the latest synced posted data.
How your SMS AI agent works
Connect once. Text anytime.
Build your plan by text
BuddyI see income arriving about every other Friday. Is that your usual payday?
YouYes. Keep $200 as my safety buffer.
Keep using ordinary conversation
YouWhat can I safely spend before payday?
BuddyAbout $84 after expected bills and your $200 buffer.
What your AI financial agent can text you
Clearer money. One conversation.
YouCan I spend $60 tonight?
BuddyYes. About $84 is safe until payday after expected bills and your buffer.
YouWhat bills hit before payday?
Buddy$214 is expected Thursday. I already included it in your safe-to-spend number.
BuddyYour $42 grocery purchase posted. You have $30 left in groceries this month.
BuddyHeads up. Friday's expected bills may leave checking $26 below your safety buffer.
Private beta
No dashboard required.
BankTalker is preparing for controlled testing. Public registration will open only after carrier approval and live-provider validation are complete.