tbd watches your spending and texts you about it. No app. No dashboard. Text the number and connect your bank.
tbd is an AI. Bank connection by Plaid, read-only. One text deletes your data. Msg & data rates may apply. Text STOP to opt out.
that's the real product on the rightright below
Demo conversation: you text tbd “how broke am i this week” and it replies with your spending, texts a chart of your dining spend by month, roasts the late-night orders with a side-eye gif, and locks a new dining budget when you ask. At 5:42 PM you ask if you can afford sushi and it answers with your guilt-free balance. At 8:12 PM it confirms a $10,818 insurance payout landed. At 2:07 AM it switches to a serious voice to flag a suspicious $247.88 charge and texts you the steps to lock your card. tbd also runs a subscription watch, a fraud watch, and the daily brief.
Five agents on shift around the clock. Here is a day with tbd, on one board.
MintFraud watch
Fraud, caught in five minutes.Mint flags the charge. You lock the card. Done by 2:09.
Hey, flagging this one for real. $247.88 at “VLTX DIGITAL”, 2:04 AM. Was this you?
👎absolutely not
Read 2:05 AM
Lock the card in your bank app now. I texted the steps.
locked ✅ nothing else looks weird. go back to bed
DozerSubscription watch
Seven subscriptions, priced honestly.Card credits count. Net cost $56/mo, not $94.
ur 7 subs run $94/mo on paper. actual cost after ur card credits: $56
disney+, peacock and chatgpt are covered by credits ur cards already have. netflix raised u again tho, $17.99 now 💀
PennyThe daily brief
A brief every morning.Your paycheck and what is left to spend today.
morning. paycheck landed 💰 $2,850 from ACME PAYROLL
🍕 dining $410 of $350 💸 $412 guilt-free left. go be free
PipAny-question answers
Ask anything, any time.Pip answers from your real numbers.
when’s my next paycheck
friday the 28th, based on your last two deposits. payday is on a strict little schedule
SunnyThe week in review
The week, wrapped on Sunday.Where the money went, and the one thing to fix.
sunday wrap 🌞 $1,284 this week. $310 less than last week
one catch: $7.98 of interest hit your bonvoy card. pay the statement balance, not the minimum, and it stops
Personalize tbd however you like
Say it once. tbd sets up the watch.
Example: text “hype me up when my paycheck lands” and that agent joins your team.your bank knows your balance.tbd knows your life
12,000+ banks and brokerages connect through Plaid. Read-only, every one.
Your first chat with tbd is the whole setup. Here it is, start to finish.
Demo of the setup conversation: you text “hi” at 6:12 PM and tbd asks who you are, money-wise. It texts a read-only Plaid link, the same secure bank connection Venmo uses; your bank login never touches tbd. Minutes after you connect, tbd shows your spending in buckets that fit your life, with what each one really costs. Then you name a goal and a budgeting style. tbd fits the numbers around what you protect. That is the entire setup.
Text the number
Tuesday, 6:12 PM
Say hi. There's no account to create. tbd asks your name and where you're at, money-wise.
Connect your bank
6:13 PM
Tap the Plaid link tbd texts you. tbd gets read-only data and cannot move your money.
💸See your money sorted
6:15 PM
One text shows your spending in buckets that fit your life, with what each one really costs. A budgeting app makes you do this by hand for an hour. tbd does it for you.
🎯Build your plan
6:16 PM
Name a goal and pick a style: hard caps, 50/30/20, savings off the top, or every dollar gets a job. tbd fits the numbers around what you protect.
Everything tbd does is on the one plan. No tiers, no add-ons.
tbdmoney
+1 (415) 797-2209
the whole team, on your payroll
Free for 14 days. then$12/month or $96 a year. The year costs the same as 8 months. No card to start.
Tap a question. The answer texts back. Harder ones go to +1 (415) 797-2209.
Your bank login never touches our servers. Plaid handles the connection. Text “delete my data”. tbd removes your information and disconnects your bank.
You connect your bank through Plaid, the same bank connection Venmo uses. tbd gets read-only transaction data. It cannot move your money.
You can set up and try tbd free by text. Plans start with a 14-day free trial when you subscribe, then $12 a month or $96 a year. Cancel with one text.
tbd texts you a link to pay when it is time. Keep going for $12 a month or $96 a year, or cancel with one text.
Text “delete my data”. The whole breakup is one message.
No. tbd is a phone number in your Messages app. There is nothing to download and no dashboard to check.
No. Ask where the money went and tbd texts back a chart. Tap the chart to open every charge behind it. Beat a budget and tbd sends a meme.
Yes. Connect every bank Plaid supports. tbd reads them as one picture of your money.
