An agent that watches
your money. For you.
It catches the overdraft before it happens, tells you the right card for every purchase, and shows you where the rest could go. You just text it.
You're Not Bad with Money
Your tools are. These aren't personal failings. They're what happens when your money lives in too many separate apps.
Money, Scattered
"7 accounts, 4 apps, zero clarity on net worth"
Your money is scattered across multiple banks, credit cards, and investment accounts. You have no idea what your real net worth is.
Always Catching Up
"Living paycheck to paycheck, surprised by bills"
Bills hit your account unexpectedly. Subscriptions you forgot about. You're always reacting to financial problems instead of preventing them.
Lost Opportunities
"Am I maximizing rewards? Should I invest differently?"
You know you're leaving money on the table with the wrong credit card, missed rewards, and investment accounts that don't talk to each other.
Decision Paralysis
"Can I afford this vacation? Am I on track for my goals?"
Every financial decision feels like a guess. You don't have the data to know if you're on track or if you can afford that big purchase.
We've seen these same patterns again and again. That's why Mullet is built to catch them automatically, instead of asking you to.
No spreadsheets. No financial background required.
The plan, watching your money day and night
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."
And for the moments you'd rather not look
You know exactly what to do
That was never the problem
Anchor catches the moment before a decision slips: the invoice you've opened three times without sending, the subscription you meant to cancel, the balance you'd rather not check. It surfaces those moments right inside your Today feed, the same way Mullet already catches a T-bill maturity or an unused subscription.
- Follow-Through Rate, updated weekly, so progress is real, not a feeling
- Catches avoidance and postponement, not just overspending
- Whole-person wellness tracks, with Coco, tied to what's actually showing up
- Included automatically with Complete, no separate signup
"I finally stopped forgetting the same three things every month."
Before interest quietly costs you something
Stop Paying Interest You Don't Have To
Real APR, matched against real transfer offers
Mullet already knows the real interest rate and balance on every card you've connected. It matches that against a small set of real 0%-intro balance-transfer offers and tells you the exact net savings after fees, or tells you honestly when it's not worth moving.
- Reads your real APR and balance per card, not an estimate
- Matches against real balance-transfer offers, not a guess
- Shows net savings after fees, and when transferring isn't worth it
- Never auto-transfers anything. You decide, Mullet just does the math
"I didn't know I was bleeding $55 a month until Mullet showed me the math."
And once your everyday money is handled
Compare Real-World Asset Platforms
Real estate, treasuries, and more, matched to your risk profile
Mullet compares vetted platforms for real estate, treasuries, and other real-world assets, for your own portfolio or your business's discretionary funds. We don't execute trades or hold your funds. You get real education and a direct path to invest on whichever platform you choose.
- A curated list, not a random directory, vetted platforms only
- Real education on fees, minimums, and historical returns
- Works for personal discretionary funds or business reserves
- You invest directly on the platform. Mullet never moves your money
Soon, a bonus for putting it to work
Turning Card Rewards Into Wealth-Building
Coming soon
We're building a way to turn card rewards into real retirement and asset-building progress. Details soon.
What You Get with
Mullet Personal
One platform to replace the apps you're bouncing between
Complete Tier Features
Complete Financial Snapshot
All your accounts unified in one dashboard. See your true net worth update in real-time as transactions happen.
- Unlimited account connections
- Real-time sync
- Net worth tracking
Smart Savings Recommendations
Personalized insights based on your spending patterns. Discover opportunities to save that actually fit your lifestyle.
- AI-powered insights
- Custom recommendations
- Goal tracking
Subscription Management and Tracking
See all your subscriptions in one place. Catch forgotten charges, identify unused services, and optimize your monthly spending.
- All subscriptions visible
- Forgotten charge alerts
- Spending optimization
Emergency Fund, Done Right
A real target based on your income, dependents, and job stability, not a generic 3-month rule of thumb. See exactly how much you've saved and what's next.
- Personalized target amount
- Milestone tracking
- High-yield account suggestions
Budget Intelligence
A real budget that tracks itself. See what you've spent, what's left, and get plain-English nudges before you go over, not after.
- Smart category tracking
- 4 proven budget templates
- Early overspend warnings
Consolidation of Multiple Financial Platforms
Replace Mint, Personal Capital, YNAB, and more with one place: Mullet. Everything you need, nothing you don't.
- Replace 4+ apps
- One login
- Unified experience
Reward Stacking Intelligence
Turn every purchase into a points multiplier event. AI combines shopping portals, optimal cards, and active promos for 3-8x more rewards.
- Portal + card stacking
- Transfer partner alerts
- Booking optimization
Real World Asset Access
Invest in fractionalized real-world assets like real estate and commodities. Build wealth beyond traditional stocks and bonds.
- Fractionalized investments
- Diversified portfolio
- Passive income potential
Tax Organization & Optimization
Automatic document processing organizes your tax documents. Get tax-loss harvesting alerts to minimize your tax burden.
- Auto document processing
- Tax-loss harvesting alerts
- Year-end tax prep
Custom Alerts & Financial Rules
Create personalized financial rules and alerts. Get notified when spending exceeds thresholds or unusual activity is detected.
- Custom spending rules
- Threshold alerts
- Anomaly detection
Advanced Export & Reporting
Generate detailed PDF and CSV reports on demand. Schedule automated reports delivered to your inbox.
- Custom date ranges
- Scheduled reports
- Multiple export formats
Investment Portfolio Aggregation
See all your investment and retirement accounts in one place. Connect Fidelity, Schwab, Vanguard, Wealthfront, and more for a unified view of your entire portfolio.
- Multi-broker aggregation
- Real-time valuations
- Asset allocation insights
Replace Every App With The One That Actually Does Something
Most people use 4-5 separate apps to manage their money. Mullet replaces all of them, and actually tells you what to do next.
The Typical App Stack
Fragmented, manual, time-consuming
*Free apps monetize through upsells and selling your data
with
Mullet
All-in-one, AI-powered, automatic
But What About AI Financial Assistants?
Perplexity + Plaid is powerful, but it waits for you to ask. Mullet doesn't wait. It watches, flags, and brings you the decision, so you choose, not query.
Mullet
Agentic AI: works ahead of you
Monday 7:02am
"Dinner at Nobu in 12 hours. Use Chase Sapphire for 3x points (~$3.60 reward)."
At Whole Foods
"Use Amex Gold for 4x points on groceries."
Perplexity + Plaid
Conversational AI: answers you
"What credit card should I use for dinner tonight?"
"Based on your cards, Chase Sapphire Reserve offers 3x points on dining. You also have Amex Gold which offers 4x on restaurants but has a lower point value..."
"Which one is better for Nobu specifically?"
Stop Asking. Start Deciding.
Mullet brings the answers to you, with one-tap actions, so managing money takes minutes a week, not hours.
And it reaches you before you have to ask
Mullet texts you when it matters: a card recommendation before you swipe, an overdraft warning before it happens, a bill reminder before it's due. No app to open.
See every feature by tier →Frequently Asked Questions
Everything you need to know about your complete financial intelligence systemCommon questions answered
Still have questions?