Four pillars.
One system.
Every feature in Mullet serves one of four jobs: automate your documents, optimize your cash flow, maximize your rewards, or unlock access to real assets. Here's all of it, in one place.
Document Automation
- Statements and receipts parsed the moment they arrive, no manual entry
- Continuous tax organization: categorized as it happens, with tax-loss harvesting alerts
- Year-end tax prep already done by the time you need it
Cash Flow Optimization
- Every account in one real-time view, balances updating as transactions happen
- An emergency fund target based on your actual income and job stability, not a generic rule of thumb
- A real budget that tracks itself, with plain-English warnings before you go over
Rewards Maximization
- Card Intelligence recommends the right card for every purchase, live
- A redemption optimizer that finds transfer bonuses and books the highest-value path before they expire
- Reward stacking across shopping portals, optimal cards, and active promos, 3 to 8x more valueComplete
Real Assets Unlocked
- A vetted platform directory for real estate, treasuries, and other real-world assets, matched to your risk profileComplete
- Idle cash gets a real destination instead of sitting in checking
- Mullet never executes trades or holds funds. You invest directly on the platform you choose
Mullet Brain
Your Personal Finance Brain
Wisdom from the people who actually know
Mullet reads the same publications, podcasts, videos, and research you'd trust yourself, and pulls out exactly what applies to your situation, your goals, your timeline. Turns it into real actions in your Decision Center, not generic advice.
- Reads publications, podcasts, videos, and academic research
- Filters for what applies to your accounts and goals
- Surfaces personalized actions in your Decision Center
- You choose which sources to trust
"It reads everything I should but never have time to."
Card Intelligence
Every card, every rate, one recommendation
Mullet pulls the real, live catalog of card issuers and their current earn rates, caps, and category bonuses, the same catalog powering the Decision Center's Card Intelligence tab. Tell it which cards you carry, and it tells you which one to use at checkout, every time.
- Live catalog pulled from real issuer data, not a static list
- Recommends the right card for every purchase category
- The same catalog every reward recommendation in Mullet is built on
Read-only account access. Bank-level encryption. Your data is never sold or used to train AI. Disconnect anytime.