AI personal finance assistant
The money app that texts you first.
Herbert connects to your banks, watches in the background, and texts you the one thing worth doing — a forgotten subscription, idle cash, a bill that spiked. Proactive, not another dashboard you forget to open.
Read-only. Bank-level security via Plaid. He can see your money, never move it.
e.g. a subscription check
Every other money app is a dashboard you forget to open.
Most people stop opening budgeting apps by week two. Herbert is the opposite: it works in the background and reaches out to you — with a 98% text open rate — the moment something is genuinely worth a look.
Proactive
It comes to you
Herbert texts you first — forgotten subscriptions, idle cash, spiking bills, low balances before auto-pay hits. No remembering to check in.
AI
An AI that actually knows your money
It categorizes every transaction, detects recurring charges, and runs a full audit of your accounts — then explains each finding in plain language so you can decide.
Automated savings
Makes money, not just tracks it
Idle cash moved to high-yield, the wrong card for a category, cheaper alternatives to what you already pay for. Every other app only helps you spend less.
MCP
Works inside ChatGPT & Claude
Herbert ships an MCP server, so you can ask about your accounts, subscriptions, and spending right inside the AI tools you already use.
Money found in under 60 seconds
Connect a bank
Securely, read-only, through Plaid. Takes about a minute.
Herbert scans 2 years
It audits your accounts and finds the subscriptions, fees, and idle cash you're leaving on the table.
He texts you the wins
One clear nudge at a time, with the exact next step. You just say yes.
How Herbert compares
| Herbert | Copilot | Monarch | Rocket Money | Cleo | |
|---|---|---|---|---|---|
| Texts you first (proactive) | ✓ | — | — | ~ | ~ |
| Native app + SMS | ✓ | — | — | — | ~ |
| Works in ChatGPT & Claude (MCP) | ✓ | ✓ | — | — | — |
| Finds money to make, not just track | ✓ | — | — | ~ | ~ |
| Read-only — never moves your money | ✓ | ✓ | ✓ | — | — |
✓ yes · ~ partial · — no. Based on publicly listed features, June 2026.
Start free for 30 days
Cancel anytime before your trial ends and you won't be charged.
Monthly
$13/mo
Billed monthly
Annual
Save ~$61$95/yr
$7.92/mo, billed yearly
Questions, answered
Is there a personal finance app that texts you?+
Yes. Herbert is a text-first personal finance assistant. It connects to your bank accounts (read-only), watches them in the background, and texts you the one thing worth acting on — a forgotten subscription, idle cash, or a bill that spiked — instead of waiting for you to open an app.
Is Herbert an AI personal finance assistant?+
Herbert is an AI-powered personal finance assistant. It uses AI to categorize your spending, detect recurring charges and subscriptions, run a full audit of your accounts, and surface savings — then explains each one in plain language so you can decide.
Does Herbert have an MCP server?+
Yes. Herbert ships a Model Context Protocol (MCP) server, so you can connect your finances to AI tools like Claude and ChatGPT and ask about your accounts, subscriptions, and spending directly inside them.
How is Herbert different from Copilot Money or Monarch?+
Copilot and Monarch are dashboards you have to remember to open. Herbert is proactive — it texts you first when something is worth a look. It also helps you make money (idle cash to high-yield, better cashback cards), not just track it, and works inside ChatGPT and Claude via its MCP server.
Is Herbert safe? Can it move my money?+
Herbert is read-only and connects through Plaid, the same secure link your other banking apps use. It can see your money to find savings, but it can never move, spend, or withdraw it. Your bank login never touches our servers.
How much does Herbert cost?+
Herbert starts with a 30-day free trial. After that it's $13/month or $95/year. You can cancel anytime before the trial ends and you won't be charged.
Stop losing money you don't even know about.
Connect a bank and Herbert will text you your first win in under a minute.
Create an Account