Bountisphere is a personal finance app that lets users plan their money day‑by‑day and month‑by‑month using a visual Money Calendar and automated cash‑flow forecasts that extend up to two years. It connects to banks via Plaid and offers features such as an AI Money Coach, shared family profiles, tax‑time organization, and spending goals, helping individuals, couples, and freelancers see exactly where their money will be and make informed budgeting decisions.
Funding
Funding not disclosed
Founders
Product
Problem
Many consumers struggle to see how recurring bills, income, and upcoming expenses interact over time, leading to missed payments, overdrafts, and difficulty managing debt. Existing budgeting tools often require manual data entry, enforce rigid envelope systems, or lack long‑range cash‑flow forecasts, making it hard for users to plan beyond the current month.
Solution
Bountisphere addresses these gaps with a visual Money Calendar that automatically imports transactions from over 12,000 banks via Plaid and builds a personalized cash‑flow forecast up to two years ahead. Users create a Money Plan by selecting recurring transactions, adding one‑time items, and setting flexible frequencies, allowing the app to regenerate forecasts whenever balances change. An AI Money Coach analyzes the user's real financial data to offer data‑driven advice, spending insights, and actionable recommendations through conversational and voice interfaces. Shared financial profiles with viewer/editor roles and a “Leave a Note” feature enable couples and families to coordinate finances within the same app. Integrated debt‑tracking tools model payoff scenarios, while the Tax Helper organizes business transactions and generates Schedule C‑ready reports for freelancers. The service is delivered as a web app and native iOS/Android applications under a low‑cost subscription.
Target Audience
Primary users are everyday Americans who need day‑to‑day and month‑to‑month money planning, including couples, families, freelancers, and individuals carrying credit‑card debt.
Features
- Automatic transaction syncing via Plaid for 12,000+ institutions, eliminating manual entry
- Visual Money Calendar and cash‑flow forecasting that projects balances up to 24 months
- AI Money Coach with conversational memory and voice input, providing personalized financial guidance
- Unlimited shared profiles with viewer/editor permissions and transaction notes for collaborative budgeting
- Debt & credit‑card intelligence, including utilization tracking, APR comparison, and payoff scenario modeling
- Spending analysis with category goals, month‑over‑month trends, and national benchmark comparisons
- Tax Helper that categorizes business income/expenses and produces Schedule C‑ready reports for self‑employed users