Candor is where your AI agent turns what you want into a plan and keeps you on it. Tell it what you're working toward. It sets up your goals, measured from your real accounts, and a budget that pays for them. Then, every week, Candor's review reads all of it and finds what's worth talking through, like a goal falling behind or a bill that went up, and tells your agent why. Your agent brings it up. You make the calls, and the plan is there next time.

With Candor, your agent turns what you want into goals measured from your real accounts and a budget that pays for them. It works from calculated figures with the records behind them. Every week Candor's review reads your records and everything you and your agent have saved, raises what's worth talking through, and starts from what came of last week's. Your agent helps you decide. Your plan, decisions, reasons, and history stay together across conversations and agents. ChatGPT Finances sends weekly updates inside ChatGPT; Candor's review is there for every agent you use.

You keep a finance app: accounts, transactions, budgets, recurring bills, investments, and net worth, in a dashboard that works in your phone's browser. New connections bring in up to two years of history where your bank provides it, and your agent can import older history from a CSV export. What changes is who does the work. Instead of sorting charges and setting up budgets yourself, you tell your agent, like "put Costco under groceries from now on", and it keeps everything organized and brings up what matters.

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.