We Built Bills AI Because We Were Tired of Finance Apps
Tired of Mint selling our data. Tired of Plaid storing our bank passwords. Tired of paying $13/mo to a tool that's slower than ChatGPT. So we built the alternative.
The Origin Story
In late 2023, Mint announced it was shutting down. Millions of users were forced to migrate to Credit Karma or one of the paid alternatives — all of which still required handing over bank credentials via Plaid.
We didn't want any of them. Plaid stores credentials for 100M+ accounts. Rocket Money takes 35-60% of any bill it negotiates. Copilot Money is $13/mo and still mis-categorizes 20% of transactions. Empower wants to sell you wealth management for 0.89% of your portfolio.
The dirty secret of personal finance apps in 2024: the "product" is your data, your attention, or your AUM. None of them existed to simply tell you where your money went.
So we built one that does. Bills AI reads bank statement PDFs, runs them through GPT-4 / Claude / Gemini, and gives you a categorized breakdown plus a list of forgotten subscriptions in 30 seconds. No bank linking. No data sales. No advisor upsell. You pay $5 or $12 a month, that's the whole business model.
What We Believe
Privacy isn't a feature, it's the foundation
Your bank credentials never leave your bank. We only ever see what you choose to upload, and only for as long as you keep it in your account.
AI should disappear into the product
You don't pick a prompt or set rules. Upload a statement, see insights. The AI does the work. Pick GPT-4, Claude, or Gemini in settings if you care; ignore it if you don't.
The US shouldn't be the only country with good finance tools
Bills AI works for Vietnamese banks (VCB, Techcombank, BIDV), Korean banks (KB, Shinhan, Toss, Kakao), European banks, and 500+ other institutions worldwide. Because Plaid's non-coverage shouldn't be your problem.
You keep 100% of what you save
We don't take a cut of negotiated bills. We don't sell affiliate placements on credit cards. We don't push wealth advisory. Flat $5 or $12, that's it.
By the Numbers
What Bills AI Is Not
To be honest about scope:
- Not a wealth dashboard. If you want investment / 401k / brokerage tracking, Empower or Kubera is the better tool.
- Not a zero-based budgeter. For forward budgeting (Ramsey Baby Steps, envelope method), EveryDollar or YNAB is purpose-built.
- Not a bill-negotiation service. We show you what to cancel and link to one-click cancel pages. We don't call providers on your behalf (and take a cut) like Rocket Money.
- Not a Plaid wrapper. By design. If you want continuous auto-sync, we're not the right tool — here's our take on Plaid.
Our Mission
Show 1 million people exactly where their money goes — without asking for their bank credentials, without selling their data, and without taking a cut of what they save.
Try It Yourself
Upload one statement. See what 30 seconds of AI gets you.