Not the other way around.
Allocate is a personal-finance app, not a bank. It connects to the accounts you already have, builds one plan from this month to retirement, and asks before anything changes.
Building wealth shouldn’t feel like a skill you had to be born with. Tell Allocate what actually matters, and it arranges the money around it.
Everything, connected
Every account, wearing its own face.
Checking, savings, the card you actually use, the loan you would rather not think about. All of it current, and each one still recognizable as itself.
Good evening
Showing All cash accounts
This month
$1,240 is free to spend before the 30th. The other $2,940 is already set aside.
Rent, the card, and the move you told it about — nothing you have to remember.
What’s left once everything else already has a claim on it.
Every one of these already has a name on it.
In your own words
What it did
Opened a moving fund and started it at $500 a month, which gets you to $6,000 by April
Set aside two months of rent from March, so the deposit does not eat into your savings
Left your bonus out of your monthly income, so next month’s budget does not spike and then drop
No categories, no rules. Say what’s happening and the plan moves with it.
This year
Most money apps stop at this month.
They balance the next four weeks and call it a plan. Allocate starts here too — rent, bills, the card you actually use — and then keeps going.
The next few years
Then the things you are aiming at.
A move, a wedding, the thing you would rather pay for outright than borrow for. Each one gets a date and a monthly amount — without quietly taking from the month you are in.
Five years and beyond
And the part you get to stop thinking about.
Three timeframes, one plan. What you set aside for 2041 is the same money you did not spend this month, which is exactly why they have to be decided together.
Every morning
A short brief about your money — what moved, what it means for the plan, what needs a yes. Produced unasked, in plain sentences, and only as long as the day deserved. And when nothing happened, it says that too — a quiet week is the plan working.
Wednesday, 8 April · written 06:14
You’re done saving for the move.
The moving fund hit $6,000 this morning, three weeks before you needed it. That’s six payments of $760, none of them late. So two things change: you’ve got $1,240 spare this month, and from May the $760 you were putting aside is yours again. Neither is spoken for yet.
What if
What if I took the job in Denver and we moved a year earlier?
On the last card you told it the move was next April. Here you ask what a year sooner would do. Everything below is the answer — each part of your plan the change touches, as it stands now on the left, as it would stand on the right.
Allo-Bot · my plan
I picked this up from your what-if a moment ago — Denver in May 2026 instead of April 2027. It works: the move needs $760 a month, the wedding still happens on time, and nothing touches your retirement. Want me to add it to your plan?
Yes — add it to my plan across 2026 to 2028.
Perfect. Here are the changes, for you to approve.
How you run your money.
Every line in here is something you said. Every number in it is a link to where it comes from.
What if
“What if I took the job in Denver and we moved a year earlier?”
Every part of the plan the change touches — as it stands, as it would stand.
Allo-Bot
Denver in May 2026 instead of April 2027 — it works. The move needs $760 a month, and nothing touches your retirement. Add it to your plan?
Yes — add it to my plan.
My plan
How you run your money.
Denver, in May. The moving fund reaches $6,000 in April, a month before the movers — and your emergency savings never pay for it.
Your first full year there. Bills settle at $1,610 a month — six of your old ones do not exist in Denver.
The wedding, in the autumn. $14,000, finished with three weeks to spare, touching none of the money that got you to Denver.
Every line is something you said. Every number links to where it comes from.
Before you connect anything
It drafts the change, shows you the reason, and waits. Every transfer is still something you do, in your own bank.
It reads your balances and transactions so it can build the plan. It cannot pay anyone, or move a single dollar.
Nothing about your accounts is sold or traded, or used to push you a credit card, a loan, or anyone else’s product.
Connect one account and tell it what matters. It does the arranging.
Between decisions
Most days, nothing needs you.
Pay, bills, the subscriptions that renew without asking — all of it current, whether or not you opened the app this week.
The other kind of change
Then the car needs $1,900.
You did not choose this one. Allocate does not tell you off about it. It tells you what it moved.
And when you change your mind
“Actually, we are not moving.”
One sentence, and everything the move was holding comes back. The same day you say it.
You never needed to be good with money.
You just needed to be able to say what you wanted.
You never needed to be good with money.
You just needed to be able to say what you wanted.
Fair questions
The questions a money app raises just by existing — answered plainly, because every answer here is also a promise.
No. Your money stays where it is — in your own accounts, at your own banks. Allocate reads them, drafts a plan, and asks. It holds nothing.
It cannot. Connections are read-only: Allocate can see balances and transactions, and that is the whole of it. Every transfer is still something you do yourself, in your own bank.
One connected account and a sentence about what matters — “we’re moving in the spring” is enough. The plan starts from what your accounts already show.
Say so, and the plan is redrawn around it — what moves, what it costs, what stays protected, shown before and after. Nothing is applied until you approve it, and approvals can be undone.
There is nothing to unwind. Allocate holds no money, so leaving is disconnecting your accounts — your banks never knew the difference.