Atlas: Your Personal CFO

Payday feels fine. Two weeks later you are checking your balance before you buy lunch, and you could not say where it all went. ATLAS is a budget with a CFO inside. Start your budget free, with no bank. When you want the work done for you, ATLAS reads your accounts and tells you, in plain words, where your money goes and how much is safe to spend today. START YOUR BUDGET FREE, NO BANK NEEDED Tap Start my budget. Set your income for the month, pick your categories, and log what you spend. ATLAS keeps the math: what is left in each category, what is left overall, and whether you are on pace. Free, with no trial and no card. YOUR CFO: HOW MUCH CAN I SPEND TODAY? Connect your bank, or bring in your statements, and ATLAS does the budgeting for you. Your balance counts money that is already spoken for: rent, a card payment, the subscription that renews on Thursday. ATLAS takes out what is due before your next payday and shows you what is left. WHAT IS COMING UP? The bills and card payments due in the next two weeks, on a calendar, and whether your account covers them. WHERE DID IT ALL GO? Every transaction in one list. Re-file one and ATLAS can remember it for that merchant. Your spending is grouped the way you would group it yourself, with the habits hiding inside it: it might notice, for example, that nearly all the eating out happens Thursday to Sunday. WHAT AM I STILL PAYING FOR? ATLAS finds the recurring charges you forgot about and shows what each one costs you a year, not a month. AM I USING THE RIGHT CARD? Linked or added by hand, see which of your cards earns the most where you shop, how close each one is to its limit, and what the interest is quietly costing you. ASK ATLAS Type a question or hold the mic and say it. "Can I afford this in March?" "What changed last month?" You get an answer from your own numbers, with the figures it came from. WHEREVER YOU BANK In the United States and Canada, sign in to your bank right inside ATLAS, through Plaid; ATLAS never sees your bank password. Anywhere else, or if your bank won't connect, import a CSV, a PDF statement or screenshots from your bank's app. ATLAS reads the transactions, does not keep the file, and shows amounts in your own currency. IT CANNOT MOVE YOUR MONEY The connection to your accounts is read-only. There is no transfer or payment feature at all. ATLAS does not sell your data, and it does not recommend investments or tell you what to buy or sell. It shows you what is true about your own money and leaves the decisions to you. HOW YOUR MONEY STAYS PRIVATE Bank access tokens are sealed with hardware-backed keys and every connection is encrypted. Getting in takes a password and a PIN, plus a passkey on your device if you add one. You can delete your account, and everything in it, from inside the app. SUBSCRIPTION Budgeting by hand is free, forever, with no subscription. Connecting your bank or importing your statements, and everything ATLAS does with them, requires a subscription: ATLAS Monthly at $9.99 USD per month or ATLAS Annual at $49.99 USD per year, each auto-renewing, with a one-week free trial for new subscribers. The price in your currency is shown before you confirm. Payment is charged to your Apple Account when you confirm the purchase, or at the end of the free week if you start with the trial. The subscription renews automatically at the end of each period unless auto-renew is turned off at least 24 hours before the end of the current period, and renewal is charged within the 24 hours before the period ends. You can manage or cancel it in your Apple Account settings at any time; your access continues to the end of the period you have paid for. Restore purchases is on the subscription screen in the app. Linking a bank inside the app is available in the United States and Canada. Everywhere else, ATLAS works from your statements. Privacy Policy: https://atlas.starlightaiinc.com/privacy Terms of Service: https://atlas.starlightaiinc.com/terms