Your AI agent, now your
personal financial advisor.
Candor gives your agent your real numbers, so it can check in and catch what needs you before it costs you.
Claude
ChatGPT
Grok Bot
MuseFree for 7 days · read-only · cancel anytime
Using CandorOpening your workspace · 3 situations worth attention
Using CandorSaving the plan and a reminder for the 30th
Spent in September
$2,932.12
$562.28 below your budget’s pace · $3,744.00 budget
- Net worth
- $84,310.22
- ▴ 2.6% since Aug 4
- Cash on hand
- $12,480.40
- across 3 accounts
Worth your attention
3 items · Reviewed today at 6:12 AM
- Rent lands before your next paycheck$1,850 is due Oct 1, pay is expected Oct 3, and checking holds $1,410.Since today · weekly reviewPlan the next few weeks →
- The 0% promo rate ends in 43 days$1,290 on the card moves to 27.99% on Nov 3.You said getting ahead of debt is the priority · Since Sep 14 · account connectedPlan before the rate jumps →
- Your income went up. Your saving did not.Pay is up to about $7,400 a month; transfers to savings are still $300.Since Sep 18 · records changedTalk it through →
Your finances
September
- Budget$2,932.12 of $3,744.00 · approved
- Japan in February$2,976.00 of $4,800.00 · Feb 12
Your AI in chat, your Candor workspace beside it. Scheduled check-ins need an agent that supports them.
Between check-ins, just ask.
Ask your agent in plain words. Candor gives it your real records, so what you settle once stays settled.
Every subscription, accounted for.
Candor tracks every recurring charge and flags what went up and where your services overlap. Pick what stays, and your agent drafts the cancellations.
Find subscriptions worth reconsidering →Recurring this month
- NetflixVideo streaming, 1 of 3$17.99
- HuluVideo streaming, 2 of 3$18.99
- MaxVideo streaming, 3 of 3$16.99
- SpotifyUp $4.00 since last month$15.99
- Cloud storage$2.99
Your books stay sorted.
Tell your agent once how a charge should be treated. It saves the rule, fixes the earlier charges, and keeps them right from then on.
How to organize your transactions →- VercelSep 1UncategorizedWork Expenses$34.49
- Trader Joe'sAug 30UncategorizedGroceries$54.12
- Fly.ioAug 29UncategorizedWork Expenses$16.58
- Google WorkspaceAug 28UncategorizedWork Expenses$8.40
Your investments, in plain words.
Candor lines up every holding across your accounts and does the math. Your agent explains what stands out, like too much in one stock, in words you can act on.
Understand what you actually own →What you own
Across 3 accounts
- Your employer's stock41%$38,420.00
- Total market index fund28%$26,240.00
- Target-date 2055 fund19%$17,805.00
- Cash in your brokerage12%$11,245.00
Nothing you decide gets lost.
Every plan you approve is saved in Candor with its reason. The next conversation, with any AI, starts from what you already decided.
Follow through on earlier decisions →What your agent has on record
- Aug 2Cloud bills are work expenses.
- Aug 9Keep the gym through March, then review it.
- Sep 1September plan approved. Friday dinners stay at $250.
- Sep 4Japan in February: $4,800, $400 a month.
Illustrative examples.
An advisor's attention, without the advisor's fee.
Most advisors meet twice a year and want $250,000 to start. Your agent checks in on a schedule you choose, looks at everything from card interest to your employer match, and tells you what is worth deciding this week.
- How often it checks inA financial advisorTwice a yearA finance appWhen a threshold is crossedWith CandorOn a schedule you choose
- What it weighsA financial advisorYour whole picture, at the meetingA finance appTransactionsWith CandorCash, debt, insurance, and taxes
- What it brings upA financial advisorWhatever comes upA finance appEvery alert you set upWith CandorOnly what needs a decision
- Where your decisions liveA financial advisorThe advisor's filesA finance appInside the appWith CandorIn Candor, for any agent to pick up
- Can it move your moneyA financial advisorWith your sign-offA finance appSome canWith CandorCandor can't. It's read-only.
- What it costsA financial advisorAbout 1% a year, $250,000 minimumA finance app$6 to $15 a monthWith CandorFrom $8.25 a month, no minimum
Free for 7 days · one paid plan · current terms shown before checkout · cancel anytime
Advisor fees, meeting frequency, and minimums: Envestnet 2026 fee study (0.96% average), Orion 2025 investor survey, NerdWallet. App details from each app's own site, September 2026. Scheduled check-ins need an agent that supports them. Candor is not a licensed advisor and gives no advice. Your agent makes the suggestion, and you make the call.
The work gets done.
Candor never moves your money.
Your agent does the work under the access you approve. Candor holds the facts and never moves money.
Candor never moves money
It reads the accounts you connect. It can't pay bills, trade, transfer, or change anything at your bank.
Your logins stay private
Your bank login stays with the connection provider. Candor and your agent never see it.
Every action, with its reason
Everything your agent does in Candor lands in the activity feed in its own words. Disconnect an account, revoke an agent, export, or delete anytime.
Your data isn't the product
Never sold, never used to train models. No ads. You're the customer.
Accounts
Read-only- Chase Total Checking•• 4821 · connectedRead-only
- Fidelity Brokerage•• 9930 · connectedRead-only
- American Express Blue Cash•• 1007 · connectedRead-only
Claude · your agent
Approved Aug 12 · last read 2 hours ago
Questions before you connect.
Connect accounts after choosing your plan, or let your AI help you import statements. You approve your AI’s access separately. You can disconnect, export, or delete anytime.
What is Candor?
Candor keeps your financial records, approved plans, and saved decisions in a workspace your AI can use, and it keeps a short list of what in those records needs a decision. Your AI brings that up, helps you understand the records, and compares your options. You decide what fits your life, and the saved work is there for the next conversation.
Who is Candor for?
Candor is for people who already use an AI agent, such as Claude, ChatGPT, Grok Bot, or Muse, and want it looking after their money without another app to check. It fits anyone with a few accounts, bills, and goals who wants an advisor's attention without an advisor's fee. It is not a budgeting app for manual tracking, and it does not replace licensed tax or investment advice.
What will my first review involve?
Connect your accounts, then send your agent one message. It opens the workspace, where Candor has already read the records, and starts with what needs a decision instead of a blank prompt. You approve anything worth keeping. No budget required first.
How much does Candor cost?
Candor has one Personal plan starting at $8.25 per month on the annual plan ($99/year). Also available: $14.99/month. The free trial lasts 7 days; billing starts after the trial. There is no minimum balance. All billing options and the exact charge are shown before Checkout. Cancel anytime by opening Candor’s Manage billing link and completing cancellation in Stripe’s billing portal. Candor has no ads and does not sell your data. You’re the customer, not the product.
Which agents work with Candor?
Claude, Claude Code, Codex, ChatGPT, Gemini CLI, Grok Bot, Meta Muse, OpenClaw, and Hermes have setup guides. Other agents can use Candor if they can load its finance skill and connect through remote MCP or the CLI. In ChatGPT, the Candor Finance plugin from its directory brings the tools and the skill together.
My agent already has finance features. Why Candor?
Built-in finance features show balances and answer what you ask, inside that one assistant. Candor judges what deserves attention across your whole picture, runs the checks a careful advisor would, and keeps the approved plans and reasons. All of it stays when you switch to another agent.
When does my agent actually check?
Whenever you ask, and on a schedule if your AI supports scheduled tasks. Set one up with it, say weekly, and it opens your workspace, reads the list of what needs a decision, and starts the conversation. Candor keeps that list current between check-ins. Saving a plan or a note does not start monitoring on its own.
Do I get a dashboard, or is it all chat?
Both. Work through your AI and use the dashboard to see what needs your attention, accounts, spending, budgets, goals, net worth, and agent history. The dashboard shows the records and saved work behind the conversation.
Can Candor move money or change my accounts?
No. Candor is read-only for external financial actions. It doesn't move money, pay bills, trade, open accounts, cancel subscriptions, or change anything at your bank. Your agent can act on what Candor finds, using its own tools, with your permission.
Do you store my bank password?
No. You connect through a secure account-linking provider. Candor and your agent never see or store your bank login.
Do you train models on my financial data?
No. Candor doesn't sell your data, run ads, or train models on it. Your data does one job: keeping your agent's picture of your money current.
Let your agent take the first look.
Connect your accounts once. From then on, your agent brings you what needs a decision.
Free for 7 days · one paid plan · current terms shown before checkout · cancel anytime
- 01
Create your account
Pick a plan and connect your accounts. Connections are read-only. If you would rather not connect, your agent can import statements.
- 02
Send your agent one message
Paste it into Claude, ChatGPT, or whichever agent you use. It asks for access, you approve it, and it opens the workspace.
- 03
Your agent goes first
It starts with what needs a decision. You answer in a line, and what you decide is there next time.