Your wealth. On autopilot.
Pearl is the AI that manages your entire financial life—investing, saving, debt, transfers—across every account you own. 24 hours a day. 365 days a year. Under your rules.
Join 12,847+ building their empire. No spam. Early access perks.
The top 1% don't manage
their own money.
They have people for that.
Family offices. Wealth managers. CFOs. A team that watches every dollar, optimizes every decision, and executes while they sleep.
The rest of us? We get apps that track spending and tell us we bought too much coffee. That's not management. That's guilt.
Traditional Advisor
The 1% solution
DIY Apps
The free option
Pearl
Intelligence for everyone
Intelligence that never sleeps.
Pearl connects to your entire financial life—checking, savings, brokerage, retirement—and manages it as one unified system. Not suggestions. Execution.
Paycheck detected — $4,200 from Employer Inc.
Here's what I'm doing:
Reason: You're $800 from your 6-month target
Reason: Maximizing 2026 contribution
Reason: Saves $2,847 in interest over loan life
Reason: Bills + spending buffer
All actions follow your rules. Tap any to modify.
Your money is scattered.
Pearl sees it as one.
Connect everything. Pearl manages the whole picture—not just what lives in our app.
Chase
Checking
Fidelity
IRA
Vanguard
401(k)
SoFi
HYSA
Schwab
Brokerage
Robinhood
Investing
Unified Intelligence
Checking at Chase. Savings at SoFi. Retirement at Fidelity. Brokerage at Schwab. Pearl doesn't care where your money lives.
It optimizes transfers, rebalances portfolios, accelerates debt payoff, and moves your money to the highest-yield accounts—automatically.
You keep your accounts. Pearl makes them work together.
Autopilot doesn't mean
out of control.
Pearl is powerful. But you're the one in charge.
Set strict guardrails. Approve every move. Or let Pearl run autonomously within boundaries you define.
Your comfort level. Your rules. Always.
One tap stops everything
Revoke access anytime. Your accounts, your call.
My Rules
Every action Pearl takes is logged, explained, and reversible.
You can pause autopilot with one tap. Anytime.
From suggestions to full autopilot.
You decide.
Insights
Pearl watches and informs.
"You have $5k sitting idle."
You take action
Co-Pilot
Pearl suggests, you approve.
"Move $5k to HYSA? [Yes/No]"
One-tap decisions
Auto-Pilot
Pearl acts within rules.
"$5k moved to HYSA. +$250/yr"
Fully automated
Most users start with Co-Pilot, then graduate to Auto-Pilot
Start with Co-Pilot. Watch Pearl work. Build trust over weeks and months. Upgrade to Auto-Pilot when you're ready.
There's no pressure. Pearl earns your confidence.
Everything a wealth manager does.
Nothing they can't.
Paycheck Automation
The moment you get paid, Pearl allocates: bills, savings, investments, debt. No manual transfers.
Intelligent Investing
Contributions, rebalancing, tax-loss harvesting—strategies the wealthy use, now automated for any portfolio size.
Goal Execution
Home. Travel. Retirement. Freedom. Tell Pearl your goals—it builds the path and walks it for you.
Debt Destruction
Pearl finds extra dollars and attacks high-interest debt while protecting your cash buffer.
Yield Optimization
Idle cash earning 0.01%? Pearl moves it to 5%+ accounts automatically. Your money never sleeps.
Complete Visibility
Every action logged. Every reason explained. Your net worth, unified and updated in real-time.
What the 1% pays
vs. what you'll pay.
| Portfolio Size | Traditional (1%) | Pearl (0.25%) | You Save |
|---|---|---|---|
| $100,000 | $1,000/yr | $250/yr | $0 |
| $500,000 | $5,000/yr | $1,250/yrCapped | $0 |
| $1,000,000 | $10,000/yr | $1,250/yrCapped | $0 |
| $2,000,000 | $20,000/yr | $1,250/yrCapped | $0 |
Pearl Wealth
annually on assets under management
Capped at $1,250/year
No matter how much you grow.
$5 minimum to get started
Budgeting & insights always free
“We cap our fee because we want you to grow.
Your success shouldn't become our payday.”
If you grow to $2M, you'll save $18,750/year compared to a traditional advisor. Every year.
We know you're skeptical.
Good. You should be.
Pearl is built for people who ask hard questions. Here are the answers.
Bank-Level Security
256-bit encryption. SOC 2 compliance. Your credentials never touch our servers.
Total Transparency
Every action logged. Every decision explained. Full audit trail you can review anytime.
Plaid-Powered
Connections secured by Plaid—the same infrastructure used by Venmo, Robinhood, and thousands of banks.
Instant Pause
One tap stops everything. Revoke access anytime. Your accounts, your call.
No Data Sales
Your financial data is yours. We don't sell it. We don't share it. Ever.
Read-Only Default
Pearl starts in read-only. You explicitly grant permissions for actions. Step by step.
“We built Pearl because we were tired of wealth being a members-only club. This is the tool we wanted for ourselves.”
Everyone deserves
a wealth manager.
Yours is ready.
Early access. Founding member pricing. Your future, automated.
Join 12,847+ people who refuse to wait for permission to build wealth.