Personal Finance

Prudivo

Prudivo is a personal finance app for iOS and Android that brings your accounts, spending, budgets and goals into one clear picture, tells you what is safe to spend for the rest of the month, and answers questions about your money with Prudivo AI. Sign in with email, Apple or Google, and connect your banks with read-only access through Plaid.

Prudivo Terms of UsePrudivo Privacy PolicyPrudivo Account Deletion Policy
Prudivo screenshot

Built around the questions everyone asks about money

Instead of juggling bank apps and spreadsheets, Prudivo answers the questions that matter in one place.

01

How much can I safely spend?

02

What do I have across my accounts?

03

Where is my money going?

04

Am I on track with my budget?

05

Will I run short before payday?

06

Am I getting closer to my goals?

Home

See your whole financial picture

Home opens with a Safe to Spend number for the rest of the month, your income, spending and savings, a Prudivo insight, and the bills and paychecks coming up next.

  • Safe to Spend with a daily pace and days remaining
  • Income, spent and saved for the month
  • Upcoming bills and expected income
See your whole financial pictureClick to expand

Accounts

Connect your accounts securely

Link your banks through Plaid with read-only access. Prudivo imports your accounts and transactions and never receives your bank credentials.

  • Checking, savings and credit accounts together
  • Connection status and last sync for each institution
  • Read-only access: Prudivo can't move your money
Connect your accounts securelyClick to expand

Safe to Spend

Know what's safe to spend

See exactly how your available amount is calculated, from cash on hand and expected income down to bills, spending, goals and a safety buffer.

  • Available cash and expected income
  • Upcoming bills and variable spending
  • Goal contributions and a safety buffer
Know what's safe to spendClick to expand

Budgets

Budgets that keep you on track

Set a monthly budget and category budgets, and see how much is left in each one along with where you are projected to finish.

  • Monthly budget with remaining amount and projection
  • Category budgets with progress bars
  • Edit your overall budget any time
Budgets that keep you on trackClick to expand

Goals

Save toward what matters

Create savings goals such as an emergency fund, a vacation or a new car, and track every goal's progress.

  • Progress and percentage for each goal
  • Saved amount against your target
  • Create a new goal in a few taps
Save toward what mattersClick to expand

Forecast

See your cash flow before it happens

A forward view of your balance over 14, 30 or 90 days, built from expected income, bills and typical spending, so you can spot low points ahead of time.

  • 14, 30 and 90 day projections
  • Expected income, bills and variable spending
  • Next low point highlighted on the balance outlook
See your cash flow before it happensClick to expand

Prudivo AI

Ask Prudivo AI anything

Get plain-language answers about your money, or start from a guided question. Prudivo AI is part of Prudivo Premium.

  • Ask in plain English or pick a guided analysis
  • Questions like "Can I afford a vacation in December?"
  • Recent conversations to pick up where you left off
Ask Prudivo AI anythingClick to expand

Insights

Spot trends in your spending

Insights explain what changed: rising categories, subscription price increases, goals ahead of schedule and possible duplicate subscriptions.

  • Spending trends by category
  • Subscription changes and overlaps
  • "See why" to understand each insight
Spot trends in your spendingClick to expand