Carlo is a personal finance agent you can text. Connect the accounts, send the documents, and ask the actual question. Carlo will tell you when the free problem is done.
One membership. No feature maze. Cancel anytime.
Free isn’t a stripped-down dashboard. It’s one real problem, with the accounts and documents needed to answer it properly.
free
Ask anything about your money. Carlo decides when the answer has crossed into a second problem, and tells you before asking you to pay.
everything
Keep Carlo around for every question, every account, and every plan. There isn’t a higher tier hiding somewhere.
Your first problem can use the same machinery. Everything keeps it running across the rest of your financial life.
Scroll horizontally to compare plans. The plan header and feature column remain visible while you scroll.
| What Carlo does | Free$0 · one problem | Everything$20 · every month |
|---|---|---|
| Get an answer | ||
| Ask Carlo anything | For your first problem | Included |
| Connect financial accounts | When the problem needs it | Included |
| Upload and read documents | When the problem needs it | Included |
| Track your whole financial life | ||
| Spending | For your first problem | Included |
| Income | For your first problem | Included |
| Investments and portfolio | For your first problem | Included |
| Debt | For your first problem | Included |
| Home value | For your first problem | Included |
| Vehicles and other assets | For your first problem | Included |
| Plan the decision | ||
| Retirement planning | For your first problem | Included |
| Financial modeling | For your first problem | Included |
| Complex financial modeling | For your first problem | Included |
| Tax modeling | For your first problem | Included |
| Tax research | For your first problem | Included |
| Find money you’re leaving behind | ||
| Card and rewards improvements | For your first problem | Included |
| Tax savings and deductions | For your first problem | Included |
| Proactive insights | Not included | Included |
| Market intelligence | For your first problem | Included |
| Keep the work moving | ||
| Custom reports | Not included | Included |
| Scheduled updates | Not included | Included |
The free option ends when the first problem is answered. Carlo tells you when that happens. No token counter, surprise cutoff, or fake “free” dashboard that can’t do the work.
Start with the money question that’s bothering you right now. That one is free.