Pearl - AI Money Companion
What's Safe To Spend Each Day
About
This AI-powered financial companion helps Gen Z manage their money with confidence. It provides a clear "safe-to-spend" number, tracks bills and savings goals, and offers real-time cash flow forecasts. Chat with it to understand your spending and plan for the future.
What's New in Pearl
1.1.63
January 23, 2026
See what's safe to spend each day and week.
Subscription plans
Pearl One - Yearly
AI wealth planning, insights, private tools.
Developer apps
FAQ
What is Pearl's "safe-to-spend" feature?
Pearl's "safe-to-spend" feature provides a single, clear number indicating how much you can spend right now while still covering your upcoming bills and savings goals. This helps you avoid "I think I'm fine?" moments and payday surprises by offering real-time spending limits.
Does Pearl have ads?
Yes, Pearl contains advertisements. As a free app with in-app purchases, advertisements are part of its operational model.
How does Pearl track bills?
Pearl automatically finds your recurring bills, such as subscriptions, utilities, and rent, so you don't have to manually input them. This feature helps you stay on top of your financial obligations without the hassle of remembering each due date.
What are the subscription options for Pearl?
Pearl offers two subscription plans: Pearl One Monthly at $9.99 per month and Pearl One Yearly at $89.99 per year. Both plans include a 7-day free trial.
Is Pearl available on Android devices?
Based on the provided information, Pearl is currently supported on iPhone and iPad. Support for Android devices is not specified in the current data.
How secure is my financial data with Pearl?
Pearl uses secure bank connections and encrypted data to protect your financial information. It is designed as a privacy-first informational tool for personal finance management.
Can I get investment advice from Pearl?
No, Pearl is a planning tool for financial wellness and does not provide investment or tax advice. Its focus is on budgeting, cash flow management, and helping you understand your spending habits.
How often is Pearl updated?
The latest version of Pearl is 1.1.63, and it was last updated on January 23, 2026. This indicates a relatively frequent update schedule, suggesting ongoing development and improvements.
