Your Money,
Alive
Echo is the personal finance OS that turns your transaction data into actions, monthly insights, and a shareable Money Wrapped story.
The 6 Pillars of Echo
Echo is designed to hit these 6 outcomes — turning your finances from passive data into an alive, actionable system.
Money Wrapped
Personalized monthly and yearly recaps with fun stats you'll want to share.
Yearly Audit
Trend and anomaly detection that explains why spending changed.
Financial Foundation
Net worth tracking, runway visibility, and emergency fund monitoring.
Free Money
Subscription hunting, fee discovery, and interest optimization.
Clear Goals
Goal tracking with pace alerts that tell you if you're ahead or behind.
Money OS
Rules, tasks, and automation that make your finances run themselves.
Built to Keep You Coming Back
Lightweight features that make Echo feel alive — without overwhelming you.
Intent Tagging
Flag transactions with intent: splurge, necessary, regret, or investment for emotional insights.
Spending Pulse
Daily digest: "Your wallet today: €47 across 3 places." Stay informed without opening the app.
Quick Capture
One-tap log for cash and offline spending. Essential for mixed cash/card usage.
Goal Burn Rate
"At current pace, you'll hit Vacation in 4.2 months (3 weeks early)." Real-time pacing.
Merchant Icons
Auto-assign or pick emojis per merchant. Makes your spending overview scannable and fun.
Oops Alerts
User-defined thresholds: "Tell me if I spend > €50 on dining in a day."
Streak Mechanics
"7 days under budget" or "30 days no impulse spending" — gamification for habit building.
Tag Bundles
Group merchants into custom bundles like "Self-care" = gym + therapy + spa.
Power User Capabilities
Deep integrations and advanced analytics for those who want complete control.
Financial Data Saved for Life
Your complete financial history preserved forever. Export anytime, own your data.
Stock PE & FE Analysis
Track price-to-earnings, forward earnings, and valuation metrics for your portfolio.
Earnings Data & Transcripts
Access quarterly earnings reports and call transcripts for companies you follow.
Multi-Currency Native
Full support for travelers and remote workers paid in multiple currencies.
AI-Powered Insights
Natural language queries: "How much did I spend on eating out in Lisbon?"
Open Banking Ready
Connect to 5000+ banks worldwide via Plaid, TrueLayer, and GoCardless.
Privacy-First Design
No model training on your data. Strong encryption. You control what's shared.
Offline-First Sync
Complete local storage with conflict resolution. Works without internet.
Your Money. Your Data. Your Terms.
Echo is built on a foundation of privacy and ownership. We believe your financial data belongs to you, not us.
Read-Only Promise
Echo analyzes your financial history to give you insights, but we never have the power to move, touch, or access your real-world funds.
No Data Silos
Your financial plan shouldn't be a secret held by a corporation. With our 'Bring Your Own Spreadsheet' philosophy, you maintain the master copy.
Local-First Encryption
We use details industry-standard encryption to ensure that your ingested bank strings are processed securely and remain invisible to everyone but you.
Data Ownership Forever
Your data is your legacy. We don't just protect it—we ensure you own it, forever. Export your full history at any time.
Processing happens on-device or encrypted in transit.
We only see encrypted blobs.
One app.
Every device.
Echo syncs seamlessly across all your devices. Start on your phone, continue on your laptop, check in from anywhere.
* Tap buttons to join the beta waitlist.
Be the First to Know
Join our waitlist and get early access when Echo launches. No spam, just important updates.
Honest and Thoughtful Pricing
We're building Echo with a sustainable model. Pricing details coming soon.
Pricing plans will be announced at launch.
Blog & Announcements
Stay updated with the latest news, insights, and behind-the-scenes of building Echo.