How it works
Simple setup, lasting results.
Connect your accounts
Link your bank, brokerage, and credit accounts in minutes. Bonsave syncs everything automatically, every day.
Get your daily insight
Every morning, Bonnie surfaces one focused observation tailored to your accounts, spending, and goals.
Build lasting wealth
Small, consistent actions compound over time. Like tending a bonsai tree, patience and attention are what make the difference.
MeetBonnie
Your personal financial assistant
Every morning Bonnie delivers one focused insight based on your accounts. Have a question? Ask her anything, anytime. She already has your full financial picture loaded.
Daily briefing
One insight, every morning
Each morning Bonnie surfaces one focused observation based on your accounts. Browse by category or scroll back through your history.
- ✓ Categorized by topic for easy browsing
- ✓ Expandable context behind every observation
- ✓ Full history, scroll back any time
- ✓ Thumbs up or down so Bonnie learns what is useful to you
Ask anything
Dig deeper with Bonnie
Start a conversation from any insight, or just ask. Bonnie has your full financial picture loaded and can answer anything about your money.
- ✓ Ask about any insight for more detail
- ✓ Query your spending, balances, and trends
- ✓ Run what-if scenarios and get real projections
Bonnie
Your financial assistant
Three of your subscriptions raised their prices recently. Between the three of them, you are paying about $26 more per month than you were 3 months ago.
Which ones?
Stay on track
Guide Bonnie with budgets and priorities
Set monthly budgets and tell Bonnie what matters most right now. She factors both into every insight so her observations stay relevant to what you are working toward.
- ✓ Set monthly budgets by spending category
- ✓ Share your current financial priorities with Bonnie
- ✓ Bonnie tailors insights around what you are building toward
Spending trends
See where your money is going
Compare this month to last at a glance. Spot the days you got ahead of pace and the categories driving the difference.
- ✓ Cumulative spending, this month vs last
- ✓ Budget ceiling overlaid so you see pace at a glance
- ✓ Drill into any category to see what drove the total
Food & drink this month
vs last month
$233
of $500 budget
Projections
Find out when you can actually retire
Most calculators hand you the day you hit 25 times your spending and call it retirement. Bonsave simulates your plan through your whole life across 500 markets drawn from real history, then tells you the earliest age that holds up.
- ✓ Runs on your connected accounts, not numbers you guessed at
- ✓ Add a raise, a baby, an inheritance, or Social Security and watch the date move
- ✓ Commit to a plan and track whether you are ahead of it or behind
Projected net worth
500 simulations
Retire at 54
money lasts in 88% of them
The big picture
Watch your net worth grow over time
Track your complete financial picture with a breakdown of cash, investments, other assets, and debt so you always know exactly where you stand.
Bonsave started as a personal project. I wanted a tool to track every transaction across my accounts, remember what I was saving for, and tell me when something was off before it became a real problem. A financially sharp friend who never forgot a thing and kept me moving toward financial independence. I couldn’t find what I was looking for, so I built Bonsave.
Willis
Founder & Developer
iOS app
Bonsave in your pocket
The daily money habit works best on your phone. Wake up, check your insight, ask Bonnie a question, and see exactly where you stand.
Your insight, first thing
A push the moment Bonnie's daily insight is ready. Open, read, get on with your day.
Alerts before they add up
Get notified when a budget is about to tip over or a large charge hits your accounts.
Ask Bonnie anywhere
Your whole financial picture, one tap away. Ask anything about your money on the go.
Net worth at a glance
Accounts sync automatically, so your balances, spending, and net worth are always current.
Pricing
Simple, transparent pricing
Start with a free 14-day trial. Cancel anytime.
Pro
14-day free trial, cancel anytime
- Ask Bonnie
- Daily AI insights about your finances
- Chat with Bonnie about your money
- Unlimited* MCP access (Claude Desktop and more)
- Your money
- Live bank & investment sync
- Spending & budget tracking
- Transaction history
- Recurring payment tracking (subscriptions)
- Manual holdings tracking
- Net worth dashboard
* Fair use limits apply. MCP access is limited to 500 requests/hour, and chat has a monthly message allowance you can track in your account settings. Learn about MCP →
Not ready to sign up? Try the live demo first, no account required.
FAQ
Common questions
Why isn't there a free tier?+
The AI insights and bank connections that make Bonsave useful have real per-user costs. A subscription is how we keep the product growing and the features valuable. Every plan includes a 14-day free trial, and you can cancel anytime with one click.
Is my financial data safe?+
Bonsave uses Plaid to connect to your bank, so your login credentials never touch our servers. All data is encrypted at rest with AES-256 and in transit with TLS. We only request read-only access to your accounts. We will never sell your data for any purpose. We strongly oppose the practice of monetizing personal financial information and will not do it under any circumstances.
What does the AI insight actually do?+
Each day, Bonsave looks at your accounts, spending, and net worth trends to generate one personalized recommendation. It might flag an unusual charge, suggest where to allocate extra savings, or highlight progress on a goal. One insight, no noise.
When does my daily insight appear?+
A new insight is generated every day at 8:00 UTC, which is 3 to 4am Eastern and 12 to 1am Pacific (depending on daylight saving), so it's ready before you wake up. Heads up: insights are keyed to UTC days, so if you check the app in the late-night hours before the cron runs, the UTC day has already flipped but the new insight hasn't been generated yet. In that window you may see the previous day's insight. Mornings are always fresh.
Can I delete my data?+
Yes. You can disconnect any linked account at any time, and you can request full data deletion from the settings page. When you delete your account, all your financial data is permanently removed from our servers.
Which banks and institutions are supported?+
Bonsave supports over 12,000 financial institutions through Plaid, including most major banks, credit unions, brokerages, and credit card issuers in the US and Canada.
Roadmap
What’s coming
✓ March 2026
Launch
Bonsave is live. Connect your accounts, meet Bonnie, and start receiving daily insights.
✓ April 2026
Claude and MCP Integration
Connect Bonsave to Claude and other MCP-compatible assistants. Ask real questions about your money and get answers from your actual data.
✓ May 2026
iOS App
Bonsave for iPhone. Check your insight, chat with Bonnie, and review your net worth from anywhere.
✓ June 2026
Transactions You Can Actually Read
Cryptic bank descriptions become real merchant names with real logos, every transaction keeps its full statement detail, and renaming a category no longer strands your history.
✓ July 2026
Bills and Paychecks on a Calendar
Every subscription and bill you pay, laid out on a month grid, with a heads-up when a price goes up. Your paychecks are found automatically too, so you can see what is landing before what is leaving.
✓ August 2026
Projections and Retirement Planning
See where your money is headed, built from your real accounts and a century of market history. Find the earliest age you can safely stop working, then commit to a plan and track it.
Up next
macOS & Android Apps
Apps for macOS and Android, so Bonsave fits however you prefer to work.
Always: continuous improvements
New features ship regularly based on what users actually ask for. Your feedback shapes what gets built next.
Free tools
Plan before you sign up
Free calculators and guides for net worth, net worth percentile, liquid net worth, and every flavor of FIRE. No account required.