Finance for Claude
Claude is brilliant about money.
Just not yours.
Pearl connects your accounts to Claude — read-only — so every answer is grounded in your real numbers. Stop guessing where you stand.
View your financial snapshotYou're steady, and trending up. Net worth is $209,480 — up $11,200 in three months — and your cash covers about four months of expenses.
- Cash — $24,180 · about four months of expenses
- Invested — $201,300 · up $9,300 this quarter
- Debt — $16,000 · card balance fell $1,900
The quiet win: the card balance fell while investments did the rest.
The quiet win: your card balance fell $1,900 while investments did the rest.
View your financial snapshotYou're steady, and trending up. Net worth is $209,480 — up $11,200 in three months — and your cash covers about four months of expenses.
- Cash — $24,180 · about four months of expenses
- Invested — $201,300 · up $9,300 this quarter
- Debt — $16,000 · card balance fell $1,900
The quiet win: the card balance fell while investments did the rest.
The quiet win: your card balance fell $1,900 while investments did the rest.
Please double-check responses.
The gap
Ask Claude your runway today. It can't answer.
Not because it isn't smart — because it can't see your accounts. Pearl is the bridge: your balances, debts, bills, income and goals, as live, computed facts.
Go from "I think I'm fine" to "I know exactly."
I don't have access to your accounts, so I can't calculate that. If you tell me your cash balance and monthly spend, I can estimate it.
I don't have access to your accounts, so I can't calculate that. If you tell me your cash balance and monthly spend, I can estimate it.
Please double-check responses.
Calculate your cash runwayIf your income stopped today, you'd last 19 days on liquid cash. With the plan below, about four months.
Calculate your cash runwayIf your income stopped today, you'd last 19 days on liquid cash. With the plan below, about four months.
Please double-check responses.
Ask anything
Your money, in plain language.
Anything you'd ask a sharp friend who happens to manage money for a living — answered from your real accounts, in seconds.
Calculate your net worth$209,480 — up $11,200 over three months.
Calculate your net worth$209,480 — up $11,200 over three months.
Please double-check responses.
Calculate your cash runway19 days today. Four months with the plan.
Calculate your cash runway19 days today. Four months with the plan.
Please double-check responses.
Project your cash flowYes — lowest projected balance is $612 on Mar 14.
Project your cash flowYes — lowest projected balance is $612 on Mar 14.
Please double-check responses.
Plan your debt payoffNovember 2027 with avalanche — $2,140 of interest saved.
Plan your debt payoffNovember 2027 with avalanche — $2,140 of interest saved.
Please double-check responses.
Look up your spending & income$430 in June vs $640 in May — down 33%.
Look up your spending & income$430 in June vs $640 in May — down 33%.
Please double-check responses.
Calculate your net worth$209,480 — up $11,200 over three months.
Calculate your net worth$209,480 — up $11,200 over three months.
Please double-check responses.
Calculate your cash runway19 days today. Four months with the plan.
Calculate your cash runway19 days today. Four months with the plan.
Please double-check responses.
Project your cash flowYes — lowest projected balance is $612 on Mar 14.
Project your cash flowYes — lowest projected balance is $612 on Mar 14.
Please double-check responses.
Plan your debt payoffNovember 2027 with avalanche — $2,140 of interest saved.
Plan your debt payoffNovember 2027 with avalanche — $2,140 of interest saved.
Please double-check responses.
Look up your spending & income$430 in June vs $640 in May — down 33%.
Look up your spending & income$430 in June vs $640 in May — down 33%.
Please double-check responses.
Grounded, never guessed
It does the math. It doesn't make it up.
Behind every answer is Pearl's governed toolset — deterministic calculations over your real transactions. Claude never invents a balance.
The one financial tool that would rather say "I don't have that data" than invent it — so you can actually act on what it tells you.
View your cash accountsThat account hasn't finished its first sync, so I don't have a balance for it yet. I won't guess a number — ask me again in a few minutes.
View your cash accountsThat account hasn't finished its first sync, so I don't have a balance for it yet. I won't guess a number — ask me again in a few minutes.
Please double-check responses.
- Net worth
- Cash
- Debts
- Investments by tax bucket
- Recurring bills
- Runway
- 6-mo surplus
- Debt-to-income
- Avalanche / snowball
- Goal timelines
- Cashflow forecast
- Overdraft risk
- Next paycheck
- Scenario stress tests
- Every transaction
- Spend & income
- Merchant & category
- Comparisons
- Goals, budgets, categories — set in plain language
- Only when you ask
- Your money stays read-only
Tell Claude what you want
Your goals. Your meaning of free.
"Retire at 55 in a small town." "Take 2029 off to travel." "Stop checking my balance with one eye closed." Tell Claude — it sets the goal and back-solves the path.
Pearl writes only your plan — goals, budgets, categories. Your money stays read-only.
Create a savings goalHeard — all three. I've set them as goals and back-solved the path from your real numbers:
- Retire at 55 — $1,150/mo · on pace
- 2029 travel year — $400/mo · 34% funded
- Never panic-check again — a 3-month buffer, 58% there
The whole plan is three moves a week.
Create a savings goalHeard — all three. I've set them as goals and back-solved the path from your real numbers:
- Retire at 55 — $1,150/mo · on pace
- 2029 travel year — $400/mo · 34% funded
- Never panic-check again — a 3-month buffer, 58% there
The whole plan is three moves a week.
Please double-check responses.
One move a day
One money move. Every day. Now inside Claude.
Ask "what's my move today?" and Claude picks the single highest-leverage action toward your goals — using today's numbers.
One clear thing to do today. No spreadsheet, no agonizing.
View your plan historyCheck your safe-to-spendOne move, highest leverage today: put $400 toward your 2029 travel fund.
Your high-yield rate dipped to 4.1% this week — the travel goal earns you more right now. Every other lever can wait.
View your plan historyCheck your safe-to-spendOne move, highest leverage today: put $400 toward your 2029 travel fund.
Your high-yield rate dipped to 4.1% this week — the travel goal earns you more right now. Every other lever can wait.
Please double-check responses.
Stress-test anything
"What if I lose my job for three months?"
Pearl runs the scenario against your real position — income loss, expense spike, rate change, market drop — and tells you if you survive, when it gets tight, and what buffer's left.
Sleep through the "what ifs." You'll know you'd be fine — or exactly what to fix first.
Run a what-if scenarioI ran it against your real position — you'd make it. Tightest point is month two, with $7,200 of buffer left, and you're rebuilt by month six.
Run a what-if scenarioI ran it against your real position — you'd make it. Tightest point is month two, with $7,200 of buffer left, and you're rebuilt by month six.
One connection
In Claude. In Claude Code. In two minutes.
Add Pearl as a connector in claude.ai, or wire the MCP straight into Claude Code. Connect once with Plaid — read-only — and you're done. Works everywhere Claude does: claude.ai, Claude Desktop, Claude Code.
Two minutes from now, your Claude knows your money.
Security & privacy
Hand over your finances without handing over control.
Bank-level encryption.
256-bit, always on. Encrypted at rest, in flight, end to end. Even our own engineers can't read it.
Read-only, always.
Pearl connects through Plaid and can only read. It never moves money, never trades, never pays a bill. The only things it can change are your plan — goals, budgets, categories — and only when you ask.
Never for sale.
Anonymized to a random ID we can't reverse. No advertisers, no brokers, no third parties. One tap to delete — gone for real. You're the customer, not the product.
Same connection layer as Venmo, Robinhood, Coinbase · powered by Plaid · read-only.
People stopped worrying
All of my finances, finally in one place — and I can just talk to it. I'm learning how to invest, and because it knows my actual numbers, the answers are about my situation, not generic stock tips.
I gave it one spending goal, and now I know exactly what I can afford to spend today. That single number changed how I spend.
I run my business and my personal money through it — cash flow, burn, runway, the specifics. It's the closest thing to a CFO on call.
Pricing
Simple pricing. Cancel anytime.
Less than your Claude plan — for the part of it that knows your money.
7-day free trial — you're not charged until it ends. Cancel anytime.
$14.99/mo — one good money decision with Claude covers the year.
connect in minutes · read-only · cancel anytime
Begin
Feel good about
your money again.
Connect in two minutes. Ask your first question tonight.
Important Disclosures
What Pearl Is (and Isn't)
Pearl is a financial coaching and education tool. It connects your financial accounts — read-only — so Claude can answer questions grounded in your real data, and it can record the plan you set (goals, budgets, transaction categories) when you ask. Pearl does not move money, execute trades, pay bills, or manage accounts on your behalf, and it has no capability to do so.
Not Financial Advice
The information provided by Pearl and this website is for general informational and educational purposes only. Pearl Tech Inc. does not provide and this website does not constitute financial, investment, legal, tax, or other professional advice. Pearl Tech Inc. is not registered as an investment adviser with the SEC or any state securities authority, and is not a broker-dealer. Nothing on this website or in the product should be construed as a recommendation or solicitation to buy, sell, or hold any investment or security.
AI Technology Limitations
Pearl grounds Claude's answers in your real account data and deterministic calculations, but AI systems have inherent limitations: they can make errors, misread context, and cannot account for all personal circumstances. Connected-account data may be delayed or incomplete. AI-generated information should not be solely relied upon for financial decisions — verify important numbers before acting on them.
Investment Risks
All investments involve risk, including the potential loss of principal. Past performance does not guarantee future results. The value of investments can go down as well as up. Any projections, forecasts, scenario simulations, or hypothetical illustrations shown are for informational purposes only and do not represent actual investment performance or guaranteed outcomes.
No Guarantees
Pearl Tech Inc. makes no guarantees regarding savings, investment returns, debt payoff timelines, or any specific financial outcomes. Market conditions, economic factors, and individual circumstances can all impact financial results in unpredictable ways.
Your Responsibility
You are solely responsible for your own financial decisions. Pearl provides information and tools; you make every actual move with your money. Before making significant investment, tax, or financial decisions, consult qualified professionals who can consider your specific circumstances.
Your Financial Data Stays Private
We do NOT sell or share your financial data. Your account information, transactions, and financial details are never sold to third parties, shared for marketing purposes, or provided to data brokers. We only use your data to provide you with Pearl's services.
Third-Party Services
Pearl connects to your financial accounts through regulated third-party services such as Plaid, and operates within AI platforms such as Claude (Anthropic). Pearl Tech Inc. is not responsible for the security, availability, or performance of third-party services. Your use of any third-party services is subject to their respective terms and conditions. Claude is a trademark of Anthropic, PBC. Pearl is an independent product and is not affiliated with, endorsed by, or sponsored by Anthropic. Product depictions of Claude on this site are illustrative mockups.
Regulatory Compliance
Pearl Tech Inc. is committed to full regulatory compliance. Pearl does not currently offer investment advisory or money movement services; if such features are ever offered, they will only be provided after appropriate SEC and/or state registration and in compliance with applicable banking regulations, with updated terms and notices. Certain features may not be available in all jurisdictions. Services are currently intended for U.S. residents only.
Acceptance
By using this website or Pearl, you acknowledge that you have read and understood this disclaimer, our Terms and Conditions, Privacy Policy, and Disclosure. For questions, contact us at pearl@pearltech.xyz.
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