Personal finance, finally human

Less numbers,
more signal.

Connect your bank and in about 60 seconds Olbey shows you the one thing that matters: how much you can safely spend today. No spreadsheets. No charts from 2010. Just a calm, living picture of your money.

Join the waitlistSee how it works
Free private beta · iPhone · US · invites roll out on TestFlightRead-only bank connection. No spam, ever.
Bank connection via Plaid (read-only)
We never see or store your bank login
Face ID / Touch ID protected
We do not sell your data
The 60-second wow

From login to clarity in about a minute

Most finance apps hand you a dashboard and wish you luck. Olbey hands you an answer. Here is the whole thing, start to finish.

~60 seconds, once
The product

Three simple ideas, working together

Olbey is built on three pillars. Each one turns a pile of transactions into something you can actually feel and act on.

Commitment Wallet

What you can spend, today

Your Available to Spend, front and center, with four honest states: Safe, Comfortable, Watch Out, and Overspent, each at a concrete threshold. No guesswork about whether that dinner is a good idea. You already know.

Pulse

The feeling behind the figures

Pulse reads your reserve, daily capacity, spending velocity and projected end-of-month balance, then turns it all into one status, one score, and one clear insight, plus a 7-day timeline so you can see which way your money is trending.

Spending Garden

Where your money lives

Every category becomes an orb in a living garden. Size is how much, color is the pressure. Your top categories over 90 days, plus everything else grouped together. AI sorts every transaction, so you never tag a thing.

AI insight engine

Insights that sound like a friend, not a spreadsheet

Olbey doesn’t say “burn rate above plan.” It notices the real story — your wins, your habits, the charge you forgot — and tells you in plain English. Insights arrive as four kinds of cards.

WIN
You skipped DoorDash 3 weeks straight — that’s $112 back in your pocket.
Nice rhythm. If you move that $112 to savings now, you’ll barely notice it’s gone.
SAVING STREAK
Your morning coffee runs dropped off — you’ve quietly saved $27 this week.
Small habit, real money. At this pace that’s about $115 over a month.
HEADS UP
Dining out is running $84 ahead of your usual pace this month.
Nothing urgent. Cooking two nights this week would bring you right back in line.
GENTLE NUDGE
Your daily capacity dipped to $41 — a little tighter than last week.
You’re still in the clear. Easing off non-essentials for a few days keeps it comfortable.
WATCH OUT
Three big charges landed at once — $480 gone in two days.
Rent’s still coming on the 1st. Holding off on extras until payday keeps you safe.
DISCOVERY
We found a $14.99 Hulu charge you haven’t used in 3 months.
Looks forgotten. Cancelling now would put $180 a year back in your budget.

And because the whole app is a chat, you can just ask — “Where did my money go in April?”, “What is this $2.99 Apple charge?”, “What subscriptions am I paying for?” — and get a clean answer card back, never a lecture.

Like what you see? Get early access.

Join the free private beta — we send TestFlight invites as spots open. No bank login needed to sign up.

A different way

Built for meaning, not math

The old way

  • Ten charts and a pie graph you have to decode yourself
  • Spreadsheets, budgets and categories you have to maintain by hand
  • Finance jargon: APR, burn rate, reserve ratio, with no translation
  • Numbers that make you feel behind, anxious, or guilty
  • You do the analysis and still are not sure what to do

The Olbey way

  • One Blob, one color, one status you understand in two seconds
  • AI categorizes every transaction automatically, you maintain nothing
  • Plain English answers in a chat, ask anything, get a clear card
  • A calm, warm read on your money that never tries to scare you
  • One sentence that tells you what is actually going on, and what it means

Same financial truth. None of the dread. Olbey shows you the signal and quiets the noise.

Privacy & security

Your money stays yours

Security is not a feature we bolt on, it is the foundation. Here is exactly how your data is protected.

Read-only by design

Your bank connects through Plaid in read-only mode. We can see what your money is doing, but we never see or store your bank login, and we can never move a cent.

Locked to you

Sign-in is protected by your passcode, biometrics like Face ID and Touch ID, and one-time codes. Only you get in.

Delete on your terms

Wipe all your financial data anytime with Delete All Data while keeping your account, or permanently delete the whole account with biometric or passcode confirmation.

Never for sale

We do not sell your data. Every sensitive action is written to an audit log, so there is always a clear record of what happened.

Bank connections are powered by Plaid — the same secure service trusted by apps like Venmo and Robinhood. Your credentials go straight to your bank, never to us.
Good questions

Frequently asked

Your bank connects through Plaid, the same secure service used by apps like Venmo and Robinhood. The connection is read-only, so Olbey can see your transactions but can never move money. Your data is encrypted, we don’t sell it, and you can disconnect or wipe everything whenever you want.
No, never. You sign in to your bank inside Plaid’s secure window, and your login details go straight to your bank — they never touch Olbey’s servers. We only receive a read-only feed of your transactions, nothing that could let anyone access your account.
That’s completely fine. Instead of connecting through Plaid, you can simply upload a PDF or CSV statement, and Olbey will read it to build your picture. You get the same insights — just from a file you choose to share rather than a live connection.
Olbey is free to join during this early-access TestFlight beta. We’ll be upfront about pricing well before anything ever costs money — no surprises, no hidden charges. Right now the only thing it costs is your spot on the waitlist.
Olbey is in active development, heading to a TestFlight beta — it’s not on the App Store yet. The best way in is to join the waitlist, and we’ll send TestFlight invites to early users as spots open up. Get on the list now and you’ll be among the first to try it.
Not yet. Olbey is iOS-first, so the first — and for now only — place to use it is iPhone. Android isn’t available today, but you’re welcome to join the waitlist and we’ll keep you posted as we grow.
Because Olbey connects through Plaid, it works with thousands of US banks and credit unions — most major institutions are covered. If your bank ever isn’t a fit, you can always upload a statement instead and get the same experience. Olbey supports US accounts for now.
Those apps hand you dashboards, charts, and numbers to interpret yourself. Olbey does the opposite: it turns your finances into one clear signal — how much you can safely spend today, and one honest insight in plain English. Less numbers, more meaning.
No. Olbey helps you see and understand your own money clearly, but it isn’t a financial advisor and its insights aren’t professional advice. Think of it as a calm, honest friend who’s good with money — for big decisions, it’s always smart to talk to a qualified professional.
Anytime, and it’s entirely your call. "Delete All Data" wipes your financial information while keeping your account, or you can permanently delete your whole account, confirmed with Face ID, Touch ID, or your passcode. Every sensitive action is recorded in an audit log, and we never sell your data.

Know exactly how much you can spend today.

Olbey is heading to a private beta on TestFlight. Join the waitlist now and be first in line for an invite when early access opens. US, iOS first.

Free to join. No bank login required to sign up. We will only email you about your invite.

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