BuoyAI

Buoy is a personal finance app where your budget counts up, not down. 📈 Link your bank and every spending category earns a small allowance every day. Skip a coffee, watch the number grow — underspending finally feels like winning.

Why count up? Most budgeting apps run on restriction and guilt: a balance ticking down to zero. Buoy flips the psychology from running out of money to earning more daily bandwidth, so your financial life stops being a chore and starts being a game you can actually win.

🤖 AI on every decision — instant advice on any money question, plus an interactive AI chat advisor on Premium.
🔒 Secure by design — a read-only Plaid connection (Buoy can never move your money), encrypted in transit and at rest. We never see or store your bank credentials.
🔁 Subscription tracking — forgotten recurring charges surface automatically, so they're easy to spot and cancel.
🏆 Saving that rewards you — daily streaks, 27 achievements, and 7 levels from Beginner to Legend.
👨‍👩‍👧 Family sharing — budget together on Premium.

A modern alternative to Mint, YNAB, and Monarch. Start free — no credit card required.