It cannot move money
Sprout asks your bank for read access only. There is no transfer, no payment, no card control. It is not a setting you can switch on.
AI personal finance · read-only
Sprout AIAsk your bank accounts anything.
Connect your bank, then just ask. Sprout reads the statements you already have and answers in words you would actually use.
Ask anything
Questions you would ask a friend, answered from your own statements.
Pick one and watch what comes back. This is the real shape of an answer: a number, the breakdown behind it, and where it came from.
Sproutreading your accountsYou
A sample conversation. Your own answers come only from the accounts you connect.
What Sprout does
One connection. Every money question, answered.
Spending, subscriptions, cash flow, and the charges that look wrong. Ask in plain English and get the number with the receipts.
- FeatureAsk your money anything. Get answers you can check.Ask anything about your money in plain English and get answers with the accounts and dates behind them.
- FeatureThe spending tracker you can just ask.See where every dollar went, by category and merchant, without typing a single transaction.
- FeatureMeet every subscription you forgot you had.Find every recurring charge, what it costs per year, what renews next, and which ones quietly went up.
- FeatureMore in than out? Know in one question.Money in, money out, and net cash flow by day, week, or month, with transfers between your accounts left out.
- FeaturePaid twice? Find out in one question.Flag possible duplicate charges and unusually large expenses before they slip past you.
- FeatureBudgeting, minus the budget.Budget answers without building a budget: ask if you can afford it, check your pace, and compare months.
- FeatureStop logging expenses. Start asking about them.Automatic expense tracking from your bank and card feeds, with vendor totals and records you can search.
- FeatureLet Sprout roast your spending. Every burn comes with receipts.Sprout's honest, funny take on your last 30 days, with a real number in every line.
- FeatureWrapped season comes every Sunday.Your week and month in money as a story: totals, top spots, and a card worth sharing.
Works where you do
On your phone, your Mac, and inside your AI assistant.
Native apps for iPhone, iPad, and Mac with widgets and a Live Activity, the same account in the browser, and a Claude connector for asking money questions where you already chat.
- PlatformToday's spending, live on your Lock Screen.Widgets, a Live Activity, Siri, and a one-minute daily check-in on the phone you already carry.
- PlatformBig money questions deserve a big screen.A bigger screen for deeper money questions, with charts, tables, and the same account as your iPhone.
- Works withAsk Claude about your actual bank accounts.Connect your bank accounts to Claude through Sprout's read-only plugin and ask money questions right in the chat.
- Works withSprout's money answers are coming to ChatGPT.Sprout's ChatGPT app is in review with OpenAI. See what it will do, and ask the same questions in Sprout today.
- Who it's forThe budget app that speaks Canadian dollars.An AI budget app for Canadians: connect eligible Canadian accounts through Plaid, keep CAD in CAD, and ask anything.
- FeatureA one-minute money habit, with a plant that's counting on you.A one-minute daily check-in with streaks, quests, achievements, and a Sprout that grows.
Why Sprout
Ask your money. Skip the homework.
Budgeting apps ask you to manage categories. Chatbots ask you to upload statements. Sprout connects once and answers from fresh data, with the accounts and dates on every answer.
| What you get | Sprout AI | Typical budgeting app | Chatbot + uploaded statements |
|---|---|---|---|
| Answers in plain English | Yes, from your connected accounts | Mostly charts and categories | Yes, from the files you upload |
| Fresh data without exports | Yes, synced through Plaid | Yes | Only as fresh as your last download |
| Shows accounts and dates behind each number | Every answer | Varies | Rarely |
| Daily habit, Wrapped, and Roast | Built in | Varies | No |
| Moves money or sells credit | Never | Some do | No |
Compare Sprout with Monarch, Copilot, Rocket Money, YNAB, and more →
Meet Sprout
A clearer picture, on every screen.
Explore your money, conversations, and spending insights on iPhone, iPad, and Mac.
iPhone
Scroll to explore →
iPad
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Mac
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Everything in one place
Every account you connect, grouped and up to date.
Balances, card debt, and sync status sit together, so you know what is actually there before you ask about it.
InstitutionBalance
ChaseChecking ···4412 · synced 6 minutes ago$3,860.22Live
AllySavings ···8801 · synced 6 minutes ago$14,205.90Live
American ExpressGold Card ···1009 · synced 6 minutes ago−$1,284.37Live
FidelityBrokerage ···5520 · reconnect to keep syncing$22,940.15Needs you
Net worth$39,721.90
The boring part that matters
Sprout is friendly. It is also locked down.
This is a money app, so the limits are worth saying plainly.
Your bank login stays at your bank
Plaid runs the sign-in. Sprout never sees, stores, or transmits your banking password.
Answers show their receipts
Every number names the accounts and the date range behind it, so you can check it against your statement.
Leave whenever you like
Disconnect a bank in one tap. Delete your account and we erase your banks, transactions, and conversations.
Pricing
A little clarity. Your way.
Try Sprout Plus on iPhone with a 3-day free trial if eligible. Choose yearly or weekly. No monthly plan.
Yearly
Best valueUS$99.99 / year
3 days free if eligible, then billed every year.
- Questions and conversations
- Eligible banks supported by Plaid
- Charts, tables, and sources on every answer
- Manage or cancel with Apple
Weekly
US$9.99 / week
3 days free if eligible, then billed every week.
- Questions and conversations
- Eligible banks supported by Plaid
- Charts, tables, and sources on every answer
- Manage or cancel with Apple
Subscribe in the iPhone app. Apple confirms your local price and trial eligibility. Auto-renews unless cancelled at least 24 hours before the trial ends or the next renewal. A supported bank connection is required. Subscription terms.
Common questions
Before you connect anything.
Can Sprout spend my money?
No. The connection Sprout requests is read-only, so payments, transfers, and card changes are not available to it. Ask Sprout to pay a bill and it will tell you it cannot. More on our security page.
Who sees my bank login?
Only your bank. Plaid handles the sign-in inside its own flow and hands Sprout an authorized connection, never your password.
Which banks work?
Eligible banks, credit unions, and card issuers available through Plaid in the United States and Canada. The connection flow shows the institutions currently available to you.
What can I ask Sprout?
Anything your transactions can answer: where your money went, what you spend on a merchant, which subscriptions keep renewing, how this month compares with last, your cash flow, and charges that look unusual. Browse 100 example questions.
Does Sprout work with Claude or ChatGPT?
Yes for Claude: install the Sprout plugin or add Sprout's MCP server as a connector and ask your money questions there. See how. Sprout's ChatGPT app is in review with OpenAI. Details.
Is Sprout a budgeting app?
Sprout answers budget questions instead of making you build envelopes. Ask if you are on pace this month, whether you can afford something, or how your spending splits into needs and wants. How it works.
Does an AI read my transactions?
Only when you ask a question, and only the records needed to answer it. Sprout's own server-side tools do the math, and every answer names the accounts and dates it used.
How does the free trial work?
Eligible Apple accounts get 3 days free with Sprout Plus on iPhone. Then your selected plan renews at US$9.99 per week or US$99.99 per year. Apple confirms local pricing and eligibility before purchase. Cancel at least 24 hours before the trial ends to avoid a charge.
Ask Sprout where your money went.
Your questions. Your connected accounts. A clearer view of your money.
