AI insights

Your money, in plain English.

Allontas reads your spending, plans, and runway and explains what changed in one sentence. No dashboards to decode. No predictions. No moving your money. Just nudges you can act on.

Plain
English, always
0
money moved by AI
Your call
every action is a tap
Allontas AI insights screen
✦
Today's nudge
Dining +24% this week
!
Heads‑up
Renewal Friday · $89
↓
Good news
Groceries 40% under plan
What AI does and doesn't

Helpful, not autonomous.

Allontas uses AI to summarize patterns and flag changes. It never moves money, makes purchases, or decides for you. Here's the line, drawn explicitly.

What it does Active

  • ✓
    Finds spending patterns
    Compares this week to your last 8, surfaces categories trending up or down.
  • ✓
    Flags upcoming bills
    Predictable recurring charges get a heads‑up the week before they hit.
  • ✓
    Explains budget impact
    "You're $35 over on dining" with the exact transactions that caused it.
  • ✓
    Highlights changes
    Subscriptions that renewed at a higher price, new merchants in your feed, unusual one‑offs.

What it doesn't Hard line

  • ✕
    Move your money
    Plaid connections are read‑only. Allontas literally cannot transfer, pay, or invest.
  • ✕
    Invent transactions
    Every number you see traces back to a real, dated transaction in your feed.
  • ✕
    Make decisions for you
    No "auto‑optimize", no "set and forget". Every action is a tap.
  • ✕
    Replace your choices
    Allontas surfaces options. It never picks. You stay the budget owner.
Sample insights

Six examples of nudges you'd actually open.

Every insight is one sentence, one number, and one optional action. We never pile on charts.

✦
Dining out is trending +24% vs. your usual.
You've spent $145 of $110 with 5 days left in the cycle.
✦
Groceries 40% under plan
Roll $110 toward the June PS5 line.
!
Netflix went up to $24.99/mo
Renewed today at $7 more than last month. Three months of stacked increases puts your subscription line $21 ahead by August.
7 Today's feed

Every insight, one tap from the home screen.

✦Dining +24% · 5 dinners out this week vs. usual 3.
↓Groceries on pace · 40% under May plan.
!Netflix jumped to $24.99 · +$7 from last month.
Privacy & safety

Your data trains your model. No one else's.

We don't sell. We don't share. We don't train on you to make a smarter model for the next customer.

256‑bit
Encryption everywhere
All data encrypted in transit and at rest. Industry‑standard AES‑256.
Plaid
Read‑only bank link
Your accounts are mirrored, not connected. Allontas cannot move funds.
Off
Disable insights anytime
One toggle in settings turns off all AI nudges. The rest of the app works the same.
Never
Data sold or shared
Your transactions never leave our systems for advertising, modeling, or any third party.
Not another LLM gimmick

Useful AI is a paragraph, not a chatbot.

Most "AI finance" apps Generic

  • ✕ Generic spending advice that ignores your real data
  • ✕ Hallucinated numbers no one can audit
  • ✕ Predictions dressed up as fact
  • ✕ Optimizes for engagement, not your bank balance
  • ✕ Trains on your transactions to improve someone else's product

Allontas AI Grounded

  • ✓ Every number ties back to a real, dated transaction
  • ✓ Insights are summaries, not predictions
  • ✓ One sentence, one suggested action. Never a wall of text
  • ✓ Read‑only by design. AI can surface, never act
  • ✓ Your data trains your model only. No shared learning.

Helpful nudges. Honest math.

Join the waitlist and we'll notify you when Allontas launches in your area.

No card. No spam. One email when we launch.