Money is already complicated. Your finance app shouldn’t make it feel worse.
karrat keeps net worth, spending, investments and bills in one clear view. Use it on your own or share a household with your partner.
Net worth, budgets, investments, bills and guidance stay in sync.
Net worth
Connect your accounts and add property, cars or anything else you own.
Net worth
$0
+$3,117since Jul 10
Connected accounts
Chase Total Checking
Cash
$12,480
Fidelity Brokerage
Investments
$88,300
Robinhood
Investments
$30,190
Smart budgeting
Start with real transactions, create custom categories and set limits that fit how you spend.
Spent
$5,403
of $5,320
Housing
98%
$2,050
/ $2,100
Utilities
88%
$354
/ $400
Food & Dining
104%
!$626
/ $600
Portfolio
See investments, retirement, property, crypto and debt in one view.
Total assets
$0
Property
$320k
Retirement
$96k
Liquid
$61k
Liquid
$61,320
Investment
$30,190
Retirement
$96,000
AI money coach
Get clear answers based on your accounts and transactions.
AI money coach
Good afternoon,
Alex
Household
Share the big picture with a partner while keeping separate accounts and privacy settings.
Demo Household
Manage
Alex
Owner
Jordan
Partner
Two people, one household. One subscription covers both.
Karrat Score
Your Karrat Score turns cash flow, savings and debt into a simple next step.
Karrat Score
0/100
You’re in excellent shape.
Top ways to improve
Cut monthly spending by 5% of income
Trim $266/mo from expenses.
Pay off your high-interest debt
Eliminate $2,480 of debt at 10%+ APR.
How your score works
Getting to know you
Choose what matters. karrat puts it first.
Connect accounts
Link accounts with Plaid. Balances, bills and income fill in automatically.
Housing
Add your home or monthly rent.
Vehicles & valuables
Add anything else that counts toward your net worth.
Recurring
Review the bills karrat finds in your transactions.
Budget
Start with your real spending, then adjust the limits.
Summary
Done. karrat keeps the numbers current from here.
Share a complete view with your partner while keeping separate accounts and privacy settings. One subscription covers you both.
Plaid handles bank connections. karrat never sees your bank password.
Powered by Plaid
Trusted by thousands of financial apps
Your bank login goes directly to Plaid. Data is encrypted in transit and at rest.
Blur every balance with one tap when someone else can see your screen.
Delete your account in the app to remove your connections and history.
Connect 12,000+ institutions through Plaid.
Premium covers you and your household.
Includes account sync, AI coaching, household sharing and projections.
$30/ year
$2.50 a month. Best value.
Renews at the selected price after the free trial. Cancel anytime in Settings. Prices use your local App Store currency.
Need something else?
support@karrat.aiYes. Connect up to three institutions, build a budget and see your net worth before starting the free trial. Premium is then $30 a year or $5 a month and covers your household.
