Bili: AI Money Coach

Every unnecessary dollar you spend is a dollar that could have been invested in your future. Bili is an AI-powered financial wellness app built for people who want to spend smarter, understand where their money goes, and build lasting wealth habits—not just track transactions in a spreadsheet. THE QUESTION THAT CHANGES EVERYTHING Before your next impulse buy, ask yourself: Was it worth it? Bili doesn't just show what you spent. It shows what that money could have become—using the Opportunity Cost of every unnecessary purchase, calculated against historical market returns. That $14 coffee run? See its real price tag over 10, 20, or 30 years. YOUR AI FINANCIAL ADVISOR Chat with an Advisor that knows your full financial picture—spending, goals, debt, cash flow, and more. Ask anything: • "How much did I spend eating out this month?" • "Am I on track for my goals?" • "Where am I wasting money?" Get interactive insights right in the conversation: spending breakdowns, weekly reports, Financial Health Score updates, and Worth It? calculators—without leaving the chat. SMART SPENDING ANALYSIS Securely connect your bank accounts (powered by Plaid) and let AI analyze every transaction: • Automatic necessary vs. unnecessary tagging • Category breakdowns and spending trends • Subscription and recurring charge detection • Monthly and yearly opportunity-cost totals • Edit, override, or add transactions manually anytime FINANCIAL HEALTH SCORE One number that reflects your whole picture—tailored to your primary goal, whether that's building an emergency fund, paying off debt, saving for a home, or building wealth. Watch it improve as your habits change. ACCOUNTABILITY THAT ACTUALLY WORKS • Real-time spending alerts when you splurge • "Is it worth it?" calculator before you buy • Avoided purchases tracker—celebrate every time you say no • Daily streaks and milestones to keep you on track • Optional spicy notification mode for extra accountability YOUR COMPLETE FINANCIAL PICTURE Spending, debt, income, balances, goals, and subscriptions—all in one place. No jumping between apps. LEARN AS YOU GO Built-in guides on the S&P 500, compounding interest, investing basics, and a searchable glossary—so you understand the terms, not just the numbers. PRIVACY & SECURITY • Bank-level encryption; Bili never stores your bank credentials • Face ID / passcode app lock • Read-only bank access via Plaid BILI PRO Unlock the full experience with a 7-day free trial: • Secure bank linking and automatic transaction sync • AI-powered analysis on every purchase • Unlimited Advisor chat with full financial context • Smart spending notifications and weekly reports Subscription managed through the App Store. Cancel anytime in Settings → Subscriptions. DISCLAIMER True Cost/Opportunity Cost calculations use hypothetical returns based on historical market averages for illustrative purposes only. They are not predictions of future performance. Bili Finance, LLC is a multi-state registered investment adviser however, you should always evaluate spending and investing decisions based on your own research and understanding of your financial situation . Past performance does not guarantee future results. Your money. Your future. In your control. Download Bili and start asking: Was it worth it?