Personal + business finance

Every account, both lives,
one honest picture.

Every bank, card, loan and brokerage — personal and business, cleanly apart.

SapphireCore brings your whole financial life together, then catches the forgotten subscriptions, the surprise charges and the payments due — from numbers it refuses to fake or leave quietly wrong.

Start free — 7-day trial See everything it does
Read-only · can't move your money
Plaid-powered · your password never reaches us
App Store reviewed · every update
Every number here is checked against your real accounts — or honestly flagged.
Product preview · illustrative data
The whole picture

Open it, and your financial life is already assembled.

Every bank, card, loan and brokerage in one live view — what you own, what you owe, and your net worth over time. Tap any account for up to two years of history, with pending charges flagged.

One Total Assets number

Every dollar across every institution, added up the moment you open the app.

Net worth over time

Assets minus debts, tracked month over month on one trend line.

2 years of history

Open any account for its full timeline, grouped by month, pending flagged.

Holdings, too

Brokerage and retirement balances with what you actually own inside.

Net worth+$4,210 this month
$248,930
Cash · 4 accounts$18,420
Investments · VTI, VXUS…$214,110
Cards & loans−$3,910
Built to be honest

It would rather show you less than show you wrong.

Every figure is defensible against your real accounts — or it's honestly flagged. That integrity is the whole point, and it's the part a competitor's screenshot can't copy.

Never a stale number

When a bank connection drops, SapphireCore stops counting its balance instead of quietly leaving your net worth wrong. It keeps the history and asks you to reconnect.

No invented subscriptions

It won't guess which apps hide inside an Apple or PayPal charge. You get the real grouped total, openable to the exact transactions.

Progress you can't fake

Savings only count once SapphireCore confirms the deposit actually landed — and it reverses an unverified claim.

Your bank app can't

Add every institution into one honest net-worth number — and drop a broken feed instead of showing a wrong total.

A tracker can't

Open the Apple or PayPal total to the raw charges instead of faking per-app guesses you can't verify.

A chatbot can't

Re-read your database to confirm a change actually happened before it tells you it did something.

One bank, connected once
Chase checking · Personal
Amex Blue Cash · Personal
Chase business card · Salon LLC
Balances, subscriptions, rules — even the AI's memory — stay scoped to each side.
Personal + Business

Two financial lives, cleanly apart.

Keep your personal money and your business in one app without them ever mixing. Connect a bank once and route each account to the side it belongs — separation enforced on the server, not just hidden in the UI.

Per-account routing

Checking to Personal, the business card to Business — from a single connection.

Never double-counted

Re-add a bank and it's recognized — no duplicate accounts, no second billable link.

Scoped to each side

Spending, subscriptions, rules, tax and AI memory stay where they belong.

One login

Your whole financial life, without juggling apps or spreadsheets.

Spending intelligence

It already did the sorting.

Not a budget you maintain — a system that maintains itself. Every charge is categorized as it arrives, even obscure local merchants, into the right tax bucket. Fix one and it remembers — this charge, all past, or every future one.

40-category engine

Charges sorted into the right IRS/expense bucket automatically.

Learns your fixes

Correct a merchant once, choose the scope, and it sticks — with a My Rules screen.

Ask your money anything

"How much at Starbucks in January?" — answered from your real history.

Cash-flow health

A plain verdict on your business cash flow, plus how long your money lasts.

Ask your moneyfrom real history
YouWhich card paid IKEA, and when?
IKEA$318.40
Mar 14 · Chase ••4821Home · Furnishings
Answered from your actual transactions — down to the paying card.
Recurring & subscriptions$312/mo · $3,744/yr
Possibly inactive — cancel?No charge in 47 days · Visa ••4821
Cancel
Hidden annual card fee found$95 · next hits in March
See
APPLE.COM/BILL$47.93
Payments through Apple · last 30 days4 charges
Jan 3 · APPLE.COM/BILL$9.99
A payment service — may include several subscriptions and purchases. We show the real charges, not a guess.
Product preview · illustrative data
Know what keeps charging you

Find the subscriptions you forgot — before the next charge.

SapphireCore reads your bank feed and surfaces every recurring charge, rated Confirmed or Possible so nothing slips by and nothing cries wolf. It shows which card pays, flags the ones you've stopped using, and even finds hidden card and account fees.

Confidence tiers

Confirmed vs Possible recurring — a list you can trust.

Waste finder

"Stopped using this?" nudges on dormant subscriptions.

Aggregator honesty

Apple, Google & PayPal grouped and openable — never faked.

Manage by chat

"Add Progressive $333/mo" or "confirm all" — done, even for cash bills.

Bank-grade connection security

Connecting your bank is safe.
Here's exactly how it works.

Millions of people connect their banks to financial apps every day through Plaid — the same infrastructure behind Venmo, Robinhood, and Coinbase. SapphireCore uses the same standard. Your login goes directly to your bank, never through us. We receive a read-only key. That's it.

1
You log in directly at your bank Plaid opens your bank's own login screen. Your username and password go to your bank — SapphireCore never sees them.
2
Your bank sends a read-only token We receive permission to read transactions and balances — nothing more. Transfers, payments, and withdrawals are technically impossible through this connection.
3
You stay in control, always Disconnect any account in one tap and the token is revoked instantly. Delete your account and every trace of your data goes with it.
Cards & credit

The numbers that actually move your score.

See your true credit-card debt, and the balance as of statement close — the figure that shapes your credit score, computed across every card, not just today's spending. Never miss a due date, and always reach for the card that pays you back most.

Statement-close utilization

The score-moving number, color-coded, across all your cards.

Due dates & minimums

Due day, minimum and an overdue flag, with reminders you set.

Live reward rates

SapphireCore looks up each card's current earning rates — even obscure cards.

Total debt at a glance

Every balance and available credit, added up in one place.

Amex Blue Cash•• 4821
$3,910current balance
Statement utilization24% · pay this first
6% groceries3% dining1% all else
Statement close, not just today's balance · illustrative
House down payment$8,200 / $20,000
Contributed · verified$8,200
Market gain · tracked apart+$430
Personal & Business feature · illustrative
Money set aside

Turn a savings goal into a game you finish.

Set a target and SapphireCore breaks it into tiles you unlock as you save, with milestone celebrations along the way. Progress you can't fake — it confirms the deposit actually landed before a tile counts, and for invested goals it keeps your contributions separate from market swings.

Deposit-verified

Tiles only count once the real deposit lands in your account.

Milestones

Celebrations at 5%, 25% and 50% keep the momentum going.

Cash, savings or invested

Back a goal with whichever bucket fits.

One-tap funding

Jump straight to your bank or broker, then watch the tile fill.

Intelligence that works when you don't

It reaches you first.

You shouldn't have to open an app to find out something changed. SapphireCore runs after every sync — flagging what needs you, remembering what you tell it, and getting sharper over time. The assistant is there when you want to ask; it's just not the reason you open the app.

Payment due in 2 daysAmex · minimum $35
Best Buy $842 — 6× your averageFlagged the day it hit
Netflix renews FridayPersonal · Visa ••4821
Payment-due & low-balance alerts 5× anomaly flags Remembers you across sessions Separate Personal / Business memory Sharpens from the community — privately Grounded in your verified data
The year-end payoff

Come tax time, you're already ready.

A year kept honest and organized turns tax season into a five-minute export, not a shoebox. SapphireCore tells you what's missing before your accountant does — then hands off a clean package.
It organizes and hands off. It doesn't file your return, compute your liability, or replace your CPA.

1

Readiness score

A 0–100 score per side, with a tappable checklist of what's left.

2

Missing docs found

It names the exact months of statements or the W-2/1099 you still owe.

3

Receipts scanned

Snap a receipt — merchant, amount, date and category read for you.

4

Hand off

A CPA-ready Excel + PDF package, assembled and shared from your phone.

Documents in your own Google Drive Deductible-totals report Auto business-vs-personal taggingIn dev More brokersComing soon
Pricing

One plan for your life. One for going deeper.

Start with your personal finances, or run your whole business life in one place. Every plan starts with a 7-day free trial.

Read-only access — we can never move your money
Powered by Plaid — your password never reaches us
Reviewed by Apple — App Store verified, every update
 
Personal
$14.99/mo
or $179.00/yr · 7-day free trial
  • Every account & net worth in one place
  • Subscription & recurring intelligence
  • Spending that sorts itself
  • Card & credit health
  • Investments & holdings
  • Ask-your-money assistant
Get early access
Most popular
Business
$24.99/mo
or $249.99/yr · 7-day free trial
  • Everything in Personal
  • Business cash-flow analytics
  • Business tax categorization
  • Excel + PDF accountant handoff
  • Deeper business organization
Get early access

Every plan includes a 7-day free trial, with monthly or annual billing — cancel anytime. One cancelled subscription usually pays for the year.

Security & privacy

Serious about your financial data.

Read-only banking

SapphireCore connects to your banks read-only through Plaid. It can read transactions and balances — it cannot move money, make payments, or initiate transfers.

Powered by Plaid

Bank connections use Plaid — the same technology trusted by millions of apps. We never store your banking credentials.

Encrypted in transit & at rest

Your data is protected with TLS in transit and AES-256 at rest on our infrastructure. Sensitive credentials on your device stay in the hardware-backed keychain.

Personal & business stay separate

Each side is isolated on the server, so financial data never crosses between your personal and business life.

Your documents, your Drive

Tax documents live in your own Google Drive, not on our servers — you keep control and can revoke access anytime.

Your data, your control

Disconnect any account and Sapphire revokes the bank connection with Plaid. Delete your account and data whenever you want. We never sell your information.

AI that doesn't train on you

The assistant is powered by Anthropic's Claude. Relevant details are processed to answer you, with card numbers masked — your data is never sold, never used to train AI, and never stored as content in our logs.