Everything you'd ask before connecting your first account.

No. BetterOff is read-only by architecture for external financial accounts — there is no code path that can move funds, place a trade, or change account settings at your institutions. We can see balances, transactions, and holdings; we cannot act on them.

We also never see your bank password. When you connect a bank, brokerage, or credit card, you authenticate inside Plaid and receive a read-only authorization that we encrypt and store.

Data is encrypted in transit (TLS 1.2+) and at rest (AES-256). The API keys and tokens we use to talk to your banks and exchanges are encrypted at the application layer before we store them, on top of the encryption the database itself provides. Production secrets are not stored in source control.

We do not sell your personal information, and we do not use financial account contents for advertising. Third parties that may touch user data include the service providers that keep BetterOff running (Plaid, Alchemy, Zerion, Helius, Blockstream, Infisical, Stripe, Anthropic/OpenAI through Vercel AI Gateway, Brandfetch, Google where enabled, and our cloud hosts). Security overview · Privacy Policy.

No. When you connect a bank, brokerage, or credit card, you authenticate inside Plaid — we never see your username or password.

The provider returns a read-only authorization that we encrypt and store. That authorization lets us pull your balances, transactions, and holdings, but it cannot move money, place trades, or change anything on the account.

If you disconnect an account from BetterOff, the authorization is revoked where the provider supports revocation and removed from BetterOff.

No. AI queries route through Vercel AI Gateway to Anthropic by default, with OpenAI available for configured fallback routing or other provider-enabled features. Their API/business terms exclude customer API data from general model training.

We also minimize what gets sent. Each query includes your message plus a limited context summary selected for that request, and narrower tool results only when needed. Depending on the question, the summary may include connected balances, transactions, holdings, recurring bills, goals, or saved-memory context; unrelated sections are left out. Ask AI is read-only and cannot move money, place trades, edit accounts at your institutions, or make financial account changes. We send a one-way pseudonymous BetterOff user identifier as abuse-prevention metadata. We do not intentionally send encrypted credentials, auth secrets, raw account numbers, or unrelated infrastructure telemetry to model providers.

For reference, the AI assistant is included on the paid plan: 200 standard messages a month. How the AI works · Data handling.

No. We don't sell your personal information. We also don't disclose financial account contents to advertisers.

We share data with the service providers that operate BetterOff: Plaid for bank and brokerage connectivity, Alchemy, Zerion, Helius, and Blockstream for wallet data, Infisical for secrets management, Stripe for billing, Google Analytics when analytics consent is granted, Anthropic/OpenAI through Vercel AI Gateway for AI chat, Brandfetch for logos, and the cloud platforms that host the app and database. The full subprocessor list is published in our Privacy Policy.

Under the Gramm-Leach-Bliley Act, we don't disclose your nonpublic personal information to non-affiliated third parties for their own marketing. Privacy Policy.

As of early 2026, BetterOff has not completed a SOC 2 attestation. We maintain administrative, technical, and physical controls aligned to the SOC 2 Trust Services Criteria — access management, encryption, change control, monitoring, vendor review, and incident response — but we don't claim a certification we haven't earned.

What we'd rather you check: BetterOff can't move your money, can't see your bank password, and doesn't sell your data. SOC 2 doesn't change any of those — those are architectural, not procedural.

Progress updates live on the Security page. Security overview.

You can create a workspace and review the public product examples before paying. A paid plan is required before connecting the first financial source. BetterOff can be billed monthly or annually, and you can cancel anytime from Settings.

The plan includes a 30-day money-back guarantee — if BetterOff doesn't earn its keep, email us within 30 days of your first invoice and we refund in full. See pricing · Pricing details.

There is no permanent free dashboard plan or public free trial. You can create a workspace and review public product examples, but a paid plan is required before connecting a financial source.

The plan ships with a 30-day money-back guarantee — connect your accounts, try the full product, and if it doesn't earn its keep, email within 30 days of your first invoice for a refund. See pricing · Pricing details.

A 1% AUM advisor on a $500k portfolio is $5,000/year. BetterOff is $15/month or $144/year — flat, regardless of account size. We don't hold or move your money; BetterOff gives you a read-only workspace for seeing what is happening.

The plan includes 5 connected source slots across banks, cards, brokerages, crypto exchanges, and wallets, plus manual assets, debts, recurring obligations, AI chat, and exports. See pricing · Pricing details.

Yes — anytime, from Settings.

Cancellation takes effect at the end of the current billing period. You keep paid-feature access until that date, and we don't issue partial refunds for the unused portion.

New subscribers get a 30-day money-back guarantee on their first paid subscription. Most people know inside the first week whether BetterOff is going to stick: connect accounts, review recurring charges, ask a few questions in AI, and export once if that's part of your workflow. If it doesn't earn its keep, email us within 30 days and we'll refund in full. Renewals and billing interval changes don't qualify for the guarantee.

Your historical data stays in your account after you cancel — automatic syncing pauses but nothing gets deleted until you ask us to. To limit ongoing provider costs and access, some connections may be disconnected after paid access ends and may need to be reconnected if you subscribe again. Full refund policy.

You can switch between monthly and annual billing in Settings → Billing. Stripe handles the billing-period change, and cancellation takes effect at the end of the current period.

The plan includes 5 connected source slots across banks, cards, brokerages, crypto exchanges, and wallets. Billing interval changes don't reset the 30-day money-back window — that applies only to your first paid subscription. See pricing · Pricing details.

Plaid reports coverage for 10,000+ institutions in the United States and Canada, but product and data availability varies by institution. Search for your institution in the Plaid Link flow to confirm whether the connection and data type you need are available.

Three ways to connect, all read-only.

Banks and brokerages go through Plaid. You log in inside Plaid's flow — your username and password never touch BetterOff. Plaid returns a read-only authorization, which we encrypt and store, that lets us pull balances, transactions, and holdings when the institution supports them.

Crypto exchanges connect with read-only API keys you create on the exchange itself (Coinbase, Kraken, Binance, etc.). We require read-only scopes and encrypt the key before storing it. The key cannot place trades or withdraw funds.

On-chain wallets connect by public address — we never ask for private keys or seed phrases. Anything visible on a blockchain explorer is visible to BetterOff through providers such as Alchemy and Zerion. Anything that requires signing (transactions, transfers) is impossible without your wallet.

Disconnect any rail from settings and the credential is revoked where the provider supports revocation and removed from BetterOff.

10 read-only API-key connection profiles are currently admitted for supported crypto exchanges, and on-chain wallets can be tracked across 40+ blockchains.

The admitted exchange profiles cover Binance, Binance.US, Coinbase variants, KuCoin variants, Bybit, OKX, and Bitget. BetterOff rejects exchange connections when it cannot verify a determinate read-only scope; the broader exchange catalog shown in the product is not a promise that every listed venue can connect.

On-chain coverage spans Ethereum, Bitcoin, Solana, Polygon, Arbitrum, Optimism, Base, Avalanche, and additional supported networks. Wallet addresses pull supported balances and positions without a trading or withdrawal permission. Workspace tour · This coverage feeds the same financial map as banks and brokerages.

Yes — manual entries are first-class. You can add anything that doesn't have a Plaid connection or live API: a primary or investment home, vehicles, art, watches, wine, trading cards, precious metals, pre-IPO equity, private fund stakes, and cash held outside an account.

Each manual entry has a name, an asset class, an optional acquisition date and cost, and a current value with an "as of" timestamp. Update the value whenever you want and BetterOff recomputes your net worth.

Manual entries roll into the same balance sheet, exposure, and net-worth view as your connected accounts — they don't sit in a separate silo. Workspace tour.

You can trigger an on-demand refresh for supported connections, and BetterOff runs scheduled background checks as a backstop. Exact freshness depends on the source and provider; an on-demand refresh cannot make an institution publish data sooner.

Plaid controls how fresh each institution's data is — many banks update transactions overnight, while some update during the day. Exchange and wallet freshness also varies by provider, chain, and rate limits.

If an institution drops the connection (Plaid calls this a "re-auth"), we'll prompt you to reconnect and resume from the retained history.

One feed across every connected bank and card.

Transactions flow in from every institution — checking accounts, savings accounts, credit cards, even some debit-style brokerage cards — into a single stream. They're auto-categorized on arrival using merchant data and pattern matching, with recurring charges and merchant rollups surfaced automatically.

Override any category and the rule applies to past and future transactions across every account, not just the one you're looking at. The same logic powers the cash-flow view, recurring detection, and spending-change review. Workspace tour.

We detect recurring charges automatically from transaction patterns — same merchant, similar amount, predictable cadence.

That includes obvious subscriptions (Netflix, Spotify, gym memberships) plus the less obvious ones: annual domain renewals, insurance premiums, irregular but predictable charges from contractors or services. New recurring patterns get flagged when they first appear.

You can mark anything as "not recurring" to hide it from the list, or pin charges as recurring even if the pattern is noisy. Workspace tour.

Yes — investing tools are optional.

Connect only your banks and credit cards for cash flow, recurring spend, and liabilities. Add manual entries for homes, vehicles, and other illiquid assets so net worth reflects the whole picture. Portfolio and crypto visibility stay out of your way until you want them.

Many users live in Overview full-time and never open the investing surfaces. Workspace tour.

BetterOff is not a budgeting-method app. It can show category run-rate, cash-flow context, and recurring obligations across connected accounts, but it does not try to replace a dedicated envelope-budgeting product.

Spending rolls in from connected institutions into the same feed, so category review does not have to be split across apps. The core job is the financial map: accounts, assets, debts, recurring obligations, and changes. Workspace tour.

Every account you have, in one workspace — including the ones nobody else tracks.

Banks, brokerages, 401(k)/IRA/HSA, crypto exchanges, and on-chain wallets connect automatically. Homes, vehicles, art, precious metals, and pre-IPO equity get added manually.

Detail is preserved, not summarized away: transactions stay itemized, holdings stay attached to their source accounts, manual assets and liabilities stay visible, and shared access can be granted with owner, admin, and viewer roles. Workspace tour.

BetterOff keeps holdings, balances, transactions, account sources, manual assets, and export notes together so portfolio review does not require rebuilding context from portals and spreadsheets.

The investment view is meant to answer practical questions first: what you own, where it lives, what changed, what looks stale, and what context should be included for self-review, a CPA, or an advisor. Workspace tour.

Yes — 401(k), 403(b), IRA (Traditional, Roth, SEP, SIMPLE), HSA, and pension accounts all connect through Plaid where the custodian supports it.

We pull balances, holdings, transactions where available, employer matches where provided, and performance context — then roll them into your overall net worth alongside the rest of the map. Workspace tour.

Everything you connect, plus everything you add manually.

Assets: bank balances, brokerage and retirement holdings (priced live), crypto exchange balances and on-chain wallet positions, plus manual entries for real estate, vehicles, art, precious metals, pre-IPO equity, and any other illiquid asset.

Liabilities: credit card balances, mortgages, HELOCs, student loans, auto loans, margin loans, and any manual liabilities you add. Net worth is the difference, computed live as your accounts update. Workspace tour.

No. BetterOff is software, not a tax advisor, financial advisor, or CPA. Account context, exports, and notes are informational — they are meant to make your own review or professional handoff cleaner, not replace licensed advice.

We surface what your accounts show for professional review. You and a qualified professional decide what to do about it.

Crypto exchanges and on-chain wallets can live beside banks, brokerages, retirement accounts, liabilities, and manual assets in the same read-only workspace. BetterOff is useful for visibility and exportable context; specialist filing or reconciliation work should still be reviewed in dedicated software or with a preparer.

General AI assistants can answer questions, and some can connect to outside data sources when you authorize them. BetterOff's difference is the underlying read-only ledger: bank and brokerage transactions, supported crypto exchange positions, on-chain wallets, obligations, and manual records are normalized in one place before the AI answers. That lets BetterOff cite answers back to source records and explain what changed using the workspace context available for the request.

BetterOff's AI works from the same ledger you use in the app: transactions, positions, obligations, account metadata, and manual entries where they are relevant to the task. It also runs anomaly checks across connected accounts in the background, daily, not just when you ask.

Queries are scoped through BetterOff's retrieval and tool-calling layer: each one sends your message plus a limited context summary selected for the request, and narrower tool results only when needed. Depending on the question, unrelated account, spending, or saved-memory sections are left out.

AI requests route through Vercel AI Gateway. Anthropic is the primary LLM provider; OpenAI may be used for configured fallback routing or other provider-enabled features. Your data isn't used to train their general-purpose models under their API/business terms, limited provider abuse-monitoring retention may apply, and a one-way pseudonymous BetterOff user identifier is sent as abuse-prevention metadata.

It's a paid feature: 200 standard messages a month are included on the plan. How the AI works.

Anything you'd ask a careful, math-literate recordkeeper with read-only access to your accounts. A few examples:

- "Where did my money actually go last month?" - "What subscriptions am I paying for that I forgot about?" - "How much have I made on AAPL since I first bought it?" - "Which accounts have not synced recently?" - "Which transactions should I review before meeting my CPA?"

Answers come from your connected accounts and manual entries, not from generic web advice. They are informational records for review; BetterOff is not a financial adviser, tax adviser, broker, or fiduciary, and it does not tell you to buy, sell, hold, trade, or harvest losses. How the AI works.

You keep your stored financial history.

Cancelling pauses automatic syncing, and owner/admin users can export a JSON backup anytime (the same portability export we use for GDPR Article 20, with secrets, vendor-side records, and Ask AI transcript history excluded as described in the manifest). To limit ongoing provider costs and access, some connections may be disconnected after paid access ends and may need to be reconnected if you subscribe again.

When you delete the account, integration credentials (Plaid tokens, exchange API keys, and similar provider authorizations) are revoked where supported and removed on the deletion timeline, and the rest of your data is typically deleted within 30 days. Some records may be retained longer where we're legally required to keep them, such as billing, compliance, or fraud-prevention records. Your privacy rights.

Yes. Owner and admin users can request a machine-readable JSON backup anytime — transactions, holdings, categories, merchants, goals, account identifiers, billing status, recent audit entries, and export metadata are included. Viewer-role shared-access members can read data in the product but cannot export a complete backup. Encrypted credentials, auth secrets, vendor-side records, infrastructure telemetry, and Ask AI transcript history are redacted or omitted in the export manifest. This is the portability export we use for GDPR Article 20 requests.

Formatted reports (PDF) and category-level CSV exports are included on the paid plan. Your privacy rights.

Your data is portable on day one, not day last. Owner and admin users can request a JSON backup anytime — transactions, holdings, categories, goals, account identifiers, and a manifest that lists redactions and omissions. The export is the same one we issue for GDPR Article 20 portability requests, and it's structured to be re-importable into another tool where the receiving tool supports the same fields.

BetterOff is bootstrapped, not VC-runway dependent. There is no clock ticking on a fundraise. But the portability commitment is independent of business outcome: owner/admin users can pull the export without asking, before, during, or after any wind-down. Your privacy rights.

Yes. Account holders can invite trusted people to shared access within a single BetterOff workspace.

Each invited user has their own login. Owner and admin roles can manage workspace data and access; viewer roles can read shared workspace data. BetterOff does not currently provide per-account or per-transaction visibility controls inside a shared workspace. Removing someone revokes their access immediately. Invited users are subject to the same Terms of Service and Acceptable Use policies as the account owner. Terms of Service.

Yes. BetterOff ships a native iOS app for iPhone and iPad with App Clip support, Face ID gating, and the same household ledger as the web workspace — link accounts once, see them everywhere. The app is read-only on every surface (it cannot move money or place trades) and reuses your web subscription, so there's no separate iOS price. iOS app details · Full details and download links.

Email us through the contact page and we'll get back to you within one business day on most questions, sooner for billing or security issues. Paid subscribers get prioritized response times. Contact us · Contact.

Spreadsheets are powerful — until you transfer money, change a holding, or open a new account. Then you have to update every formula.

BetterOff stays current automatically: balances, transactions, holdings, liabilities, and recurring obligations sync from your accounts where supported; net worth updates live. You can still export everything to JSON or CSV when you need a spreadsheet for a specific analysis.

If a spreadsheet already does the job, keep using it. BetterOff is intended for the parts that benefit from supported source connections, recurring-obligation review, connection-health signals, and one shared workspace. Every paid plan ships with a 30-day money-back guarantee. Workspace tour.