Kasmos watches your financial universe around the clock — surfacing insights before you think to ask, and answering every question when you do. This is what financial intelligence actually feels like.
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✦ You are on the list. We will be in touch.
🔒 Bank-level security○ No spam, ever
Act one · We watch
Kasmos sees what you have not noticed yet.
Most apps wait for you to log in. Kasmos runs in the background — constantly scanning your accounts for anything worth knowing.
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Heads up
Your car insurance renews in 18 days — $1,240 incoming.
You have not set aside anything for it yet. Want me to create a plan to cover it without touching your savings goal?
Just now
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Insight
You have spent 79% of your dining budget and it is only the 19th.
One birthday dinner accounts for $160 of that. Strip it out and you are actually under your average. No action needed.
2h ago
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Milestone
Your net worth crossed $25,000 today.
That is a 12% increase from 6 months ago. You are ahead of your own goal by 3 weeks.
Yesterday
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Pattern detected
You have taken on $340 in subscriptions since January.
3 of them overlap. You are paying for two music services and two cloud storage plans. Want me to show you which ones to cut?
3 days ago
Act two · We explain
Not just what. Always why.
When you have questions, Kasmos goes deeper than any app you have used. Every answer comes with root cause analysis and a specific path forward.
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Act three · We act
Insights that go somewhere.
Kasmos connects your spending, saving, and investing into one intelligent picture with real next steps.
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All accounts, one view
Checking, savings, credit cards, and investments — unified and always current.
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WHY + Actions AI
Every insight comes with root cause analysis and a specific, actionable next step.
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Spending meets investing
The only app that connects what you spend today to what you build tomorrow.
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Goal tracking
Set targets, track progress, and let Kasmos show you the fastest path forward.
Your data, protected
We take security as seriously as you should.
Connecting your bank account requires real trust. Here is exactly how we protect you.
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256-bit encryption
The same standard used by the world's largest banks. Your data is unreadable to anyone, including us.
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Read-only access
Kasmos can see your transactions. It cannot move money, make payments, or take any action on your accounts. Ever.
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We never sell your data
Your financial data is never sold, shared with advertisers, or used to target you. It exists only to serve you.
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Disconnect anytime
Revoke access to any account in one tap. Your data is deleted from our systems within 24 hours.
PLAID
Bank connections powered by Plaid — trusted by Venmo, Robinhood, and 7,000+ apps. Your credentials are never seen or stored by Kasmos.
Why not the others?
The industry built apps for their interests, not yours.
Cleo
Biggest offender. Cash advances trap users in borrowing cycles — the opposite of financial control.
Step
Targets beginners, then pushes cash advances on the people least equipped for the consequences.
Mint / YNAB
Shows charts. Never explains the root cause or what to do next.
Rocket Money
Good for subscriptions. Ignores your investments entirely.
Copilot
Beautiful design. Reactive only — waits for you to come to it.
ChatGPT
Generic advice. No access to your actual data. No proactivity.
The cash advance problem
Speed is not a feature. It is a trap.
Apps like Cleo and Step compete on how fast they can put borrowed money in your hands. But offering cash advances is not financial empowerment — it is the opposite. It monetises your stress. Kasmos will never offer cash advances. Not because we cannot — but because it contradicts everything we stand for.
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The Kasmos principle: We make money when you build wealth — not when you borrow against it.
Your financial universe is waiting.
Free to join. No credit card. No cash advances. Ever.
Getting started
Up and running in three simple steps.
No learning curve. No setup complexity. Just you and your financial universe.
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Step one
Create your account
Takes 60 seconds. No lengthy forms, no credit checks, no commitments.
Email
Phone number
Sign in with Apple
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Step two
Connect your accounts
Securely link your bank, cards, and investments in seconds. We can see your data. We can never touch it.
Powered by PLAID · Read-only. Always.
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Step three
Kasmos gets to work
Your financial universe comes alive. Insights start arriving before you even ask a question.
You are in control now
Simple pricing
Invest in your financial universe.
Start free. Upgrade when you are ready. Early members get Kasmos Pro on us.
Monthly
Annual
Save 2 months
Free
$0
forever
Connect your bank and experience Kasmos AI — no commitment needed.
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1 institution, all accounts within it
Upgrade to connect more →
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Unlimited AI questions — basic WHY answers
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3 proactive alerts per month
Upgrade for unlimited alerts →
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Basic dashboard and net worth
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Transaction categorisation
Pro members also see
Full WHY + Actions analysis, pattern detection across all accounts, and personalised goal tracking.