Maxi
Maxi is an AI-powered personal finance assistant that operates through iMessage and web chat, monitoring connected bank accounts and Gmail to track spending, surface upcoming bills, and send proactive alerts about fees or forgotten shared expenses. Users can ask natural-language questions about their finances, receive weekly spending recaps, and split expenses by sending a receipt, with Maxi calculating line items, tax, and tip before generating payment-request links for Venmo, Zelle, or Cash App. The service is currently invite-only and available to US residents aged 18 and older.
- Financial Technology
- AI Agents
- Artificial Intelligence
- Software Only
Funding
Raised to date
$500KRaised to date based on public sources. This may differ from the amount the company actually raised and is based only on what is publicly available on the internet.
Founders
Founder details are not available yet.
Product
Problem
Consumers juggle bills scattered across email inboxes, spending spread across multiple cards and accounts, and shared expenses that are easily forgotten. Manually tracking this financial activity is time-consuming and error-prone, leading to missed due dates, surprise fees, and unresolved debts between friends.
Solution
Maxi is an AI-powered personal finance assistant that operates through iMessage and web chat, monitoring connected financial accounts and email in the background. It categorizes transactions, surfaces upcoming bills before they're due, and proactively pings users about detected fees, budget reminders, and forgotten shared expenses. Users can ask natural-language questions about their finances, receive weekly spending recaps, and split expenses by sending a receipt—Maxi handles line items, tax, tip, and generates payment-request links for Venmo, Zelle, or Cash App. The system maintains a long-term memory of user preferences and financial behavior to personalize insights over time. Maxi also supports group trip expense tracking within chat conversations and can initiate payments through secure authentication when users request them.
Target Audience
Primary users are US-based individuals aged 18+ who want a low-effort way to track personal finances, manage bills, and split expenses with friends without leaving their messaging app.
Features
- Conversational interface via Apple iMessage and web chat with natural-language financial Q&A
- Automated transaction categorization across connected bank, credit, and loan accounts via Plaid
- Read-only Gmail integration to detect bills, due dates, and financial notices from email
- Proactive alerts for unusual charges, bank fees, budget pacing, and bill reminders with customizable frequency (daily, weekly, monthly, or event-based)
- Receipt-based expense splitting that calculates individual portions including tax and tip, and generates payment-request links for Venmo, Zelle, or Cash App
- Group trip expense tracking where multiple users log expenses in a shared chat and Maxi maintains the ledger
- In-chat payment initiation with secure authentication for sensitive actions
- Weekly spending recaps with merchant-level breakdowns by category
- Long-term AI memory that builds a financial-behavior profile to personalize responses and insights
- Budget creation and "safe to spend" pacing calculations
- 256-bit encryption for sensitive data with read-only bank access