Pecunia
Pecunia is a budgeting app that connects to bank accounts via Plaid to automatically categorize spending, track incoming refunds, and identify shared expenses owed by friends. It offers a home-screen widget for upcoming bills, a "night out" replay feature that breaks down charges by stop, and an AI assistant called Pia that provides computed spending insights. The app is privacy-focused with read-only access, encrypted connection keys, Face ID lock, and one-tap amount hiding.
- Financial Technology
- Data & Analytics
- Software Only
- Artificial Intelligence
- AI Agents
Funding
Founders
Founder details are not available yet.
Product
Problem
Traditional budgeting apps require manual transaction categorization and fail to surface actionable insights like unreturned refunds or money owed by friends. Users often lose track of recurring charges, upcoming bills, and the true breakdown of discretionary spending, leaving them with incomplete visibility into their financial habits.
Solution
Pecunia is a budgeting app that securely connects to users' bank accounts through Plaid to automatically categorize spending and surface money-saving opportunities. The app identifies who owes the user money, tracks whether expected refunds actually land, and provides call scripts to help users dispute fees. A home-screen widget shows payday, weekly spending, and upcoming bills at a glance, while the "night out" replay feature reconstructs an evening's charges stop by stop and compares them against the user's typical spending pattern. The AI assistant, Pia, computes real numbers from transaction data to roast or hype the user's spending habits. Monthly and semester-end "wrapped" summaries present spending as a narrative story.
Target Audience
Primary users are individual consumers who want automated, privacy-conscious budgeting insights without manual effort, particularly younger adults who frequently split expenses and want to understand discretionary spending patterns.
Features
- Read-only bank account integration via Plaid with encrypted connection keys and no ability to move money
- Automated detection of who owes the user money, with tracking until the payment lands
- Refund watch feature that alerts users when an expected refund fails to arrive
- Home-screen widget displaying payday countdown, weekly spending, and next bill
- "Night out" replay that chronologically reconstructs each charge by stop and benchmarks against usual spending
- Ask Pia AI assistant that computes insights from real transaction data rather than estimates
- Privacy controls including Face ID lock, one-tap amount hiding, and in-app account deletion