AI-Powered Financial Intelligence

Your finances,
intelligently managed

Experience the future of personal finance with Alto. Our AI-powered platform automatically syncs with your banks, categorizes transactions, and provides real-time insights to help you make smarter financial decisions.

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Everything you need to master your finances

Powerful AI features that work together to give you complete financial clarity

Conversational AI

Chat with your finances

Ask questions in plain English and get instant, accurate answers about your spending patterns, trends, and more.

How has my shopping spend changed month over month?

Here's how your spending in the Shopping category has changed over the last three months:

  • September 2025: $277.11
  • October 2025: $2,581.94
  • November 2025: $2,902.03

Your spending increased from October to November. View November transactions →

Proactive Insights

Stay ahead of changes

AI monitors your spending patterns and alerts you to significant changes in real-time.

Spending Spike in Taxi and transportation

Yesterday

Your Taxi and transportation spending increased by 432% compared to last month. You've spent $336.74 this month vs $63.26 last month.

Spending Fluctuation

Bank-Level Security

Your data is encrypted end-to-end with 256-bit encryption. We never store your banking credentials.

256-bit EncryptionSOC 2 CompliantRead-Only Access
AI-Powered Categorization

Smart categories, zero effort

AI automatically suggests the right category for every transaction—and explains why.

Longos

Dec 29, 2025

Groceries-$84.36

Winner Studio

Dec 29, 2025

Shopping-$79.08

Amazon

Dec 29, 2025

Shopping-$18.04

AI suggested: Shopping

The transaction is from Amazon, which is typically associated with online retail shopping.

Merchant Normalization

Every transaction, organized

AI transforms cryptic bank codes into clean merchant names and perfect categories.

Bank Fees$13.2k
Loan and mortgage$10.8k
Shopping$6.7k
Travel and tourism$5.6k
Restaurants$5.1k
Merchant Normalization
Smart Categorization
Proactive Insights
Conversational AI
Bank-Level Security
Free Personalized Assessment

Get Your Financial Roadmap

Answer a few quick questions and receive personalized recommendations for investing, debt management, and achieving your financial goals.

Under 2 minutes
Personalized results
Actionable steps
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AI that understands your finances

Advanced machine learning that gets smarter with every transaction

Conversational AI

Ask questions in plain English

No more digging through reports. Simply ask "How much did I spend on groceries last month?" and get instant answers.

How much did I spend on groceries?Alto AIYou spent $847.32 in November 2025 on groceries across Whole Foods, Trader Joe's, and Safeway. This was 12% higher than your October spending of $756.18.What's my biggest recurring expense?Alto AIYour largest recurring expense is rent at $2,450/month, followed by your car payment at $489/month and Netflix, Spotify & gym memberships totaling $87/month.Where did my money go this week?Alto AIThis week you spent $523.41 total: $187 on dining out, $142 on groceries, $98 on gas, $54 on entertainment, and $42.41 on miscellaneous purchases.Am I on track with my budget?Alto AIYou're 78% through your monthly budget with 8 days left. You're under budget in groceries (-$52) and transportation (-$34), but over in dining out (+$89).What subscriptions am I paying for?Alto AIYou have 9 active subscriptions totaling $156.87/month: Netflix ($15.99), Spotify ($10.99), iCloud ($2.99), gym ($45), NYT ($17), and 4 others.How much have I saved this year?Alto AIYou've saved $8,247 this year across your accounts. That's a 23% increase from the same period last year. Your average monthly savings is $749.Did any bills increase recently?Alto AIYes! Your electricity bill increased 18% ($24.50 more) in November, and your car insurance went up by $12/month starting October 15th.
9:41
Alto AI
What were my biggest expenses last month?

Your biggest expenses last month were in the following categories:

  1. Shopping: $2,902.03 (32.17%)
  2. Travel: $2,890.01 (32.03%)
  3. Restaurants: $1,000.10 (11.09%)
  4. Groceries: $667.78 (7.40%)

Total expenses: $9,022.10

What are my biggest shopping expenses?

Your biggest Shopping expenses:

  1. Sephora: $695.00
  2. Lululemon: $290.41
  3. Abercrombie: $296.06
  4. Lululemon: $154.81
Ask me about your finances...

Alto AI can make mistakes. Always verify important information.

Home
Transactions
Accounts
Analytics
Alto AI
Pattern Recognition

Spot trends before they become problems

Our AI continuously monitors your spending patterns and alerts you to unusual activity or opportunities to save.

Vendor increase insightsAI InsightAutomatically detect when your spending with specific vendors increases month-over-month so you can catch changes early.Spending forecastsAI InsightReceive updates throughout the month showing how your projected spending is trending relative to the previous month.Spending fluctuationsAI InsightAnalyze spend by category and get notified in near real time when your spending habits shift.Subscription changesAI InsightGet notified when subscriptions are added or removed each month, and see how that impacts your subscription spend.Overdraft alertsAI InsightGet notified when you're forecasted to overdraft on your cash accounts within the next 14 days.

Analytics

Your financial overview

Oct - Jan 2026
AI INSIGHTS
-100%
Subscription Spending Down
+335%
Spending Spike Detected
+335%
Utilities & Phone
+60.5%
$33,469Total Income
+9.3%
$56,120Total Expenses
-$22,651Net Savings
$14,030Monthly Avg

Expenses

Spending by category

Oct
Nov
Dec
Jan
Shopping
Travel
Food
Bills
Other

Income

Earnings by source

Oct
Nov
Dec
Jan

Monthly Spend Analysis

Track spending patterns across categories

CategoryOctNovDecL4W Avg
Transportation
$66$103$182$17
Entertainment
$429$593$630$185
Shopping
$401$693$752$285
Smart Categorization

Perfectly organized, automatically

Stop wasting hours manually categorizing transactions, let Alto's AI do it for you! So you can focus on insights rather than manual tasks.

SQ*BLUEBOTTLE SF
$15.24
INSTACART*TH1CE6VD0
$205.19
APPLE.COM/US
$1,032.34
☕COFFEE
🥑GROCERIES
Alto
✈️TRAVEL
🚚DELIVERY
Blue Bottle
COFFEE
$15.24
Instacart
GROCERIES
$205.19
Apple
SHOPS
$1,032.34
Security

Your security and privacy, guaranteed

Bank-grade encryption protects your data. No ads, no data selling, it's our promise.

At rest encryption
AES-256 encryption

Data stored in our systems is protected with AES-256.

In transit encryption
TLS encryption

Data is encrypted while it moves between your device and Alto.

Privacy promise
We never sell your data

Your financial information is never shared with advertisers or third parties.

No ads, ever
Forever ad free

Alto is supported by subscriptions, not advertising revenue.

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