Finally, a clear view of your money.
Net worth, budgets, and an AI coach — for you and your partner.
- Bank-level encryption
- Powered by Plaid
- Built for iOS
Yourfinancesarecomplicated.Karratmakesthemsimple.
Everything you need to manage money well.
From day-to-day spending to long-term planning, Karrat brings your whole financial life into one place.
Net worth dashboard
Watch your complete net worth update automatically as your accounts sync.
Recurring bills
Karrat detects subscriptions and recurring bills from your transactions for you.
Financial projections
Model retirement, savings, and big purchases to see where you're headed.
Transactions calendar
See income and bills laid out on a clean, scannable monthly calendar.
Smart budgets
Set budgets by category and track spending without the manual busywork.
Privacy mode
Mask sensitive numbers with a single tap when you're not alone.
All your accounts, always up to date.
Connect your banks, credit cards, and investments through Plaid. Balances and transactions sync automatically, so you never have to enter a number by hand.
- Auto-syncing balances across institutions
- Smart transaction categorization
- Recurring bills detected for you
See the full picture, together.
Invite your partner to a shared group and get a combined view of your finances. You both see the same dashboard — no more spreadsheet handoffs.
- One shared net worth dashboard
- Each person keeps their own accounts
- Updates in real time for both of you
One number for your financial health.
Karrat Score is our proprietary metric — not a credit score. It weighs your net worth, savings rate, debt ratio, and overall trajectory into a single, clear measure of where you stand.
- Not a credit score — it's about your whole picture
- Recalculates as your accounts sync
- Tracks your trajectory over time
Ask anything about your money.
Chat with an AI that knows your balances, income, and spending. Ask "Can I afford this?" or "When can I retire?" and get real answers based on your actual data.
- Personalized to your real financial data
- Budgeting, investing, and debt guidance
- Set goals and model your future
Built to protect what matters most.
Handling real money means security comes first. Here's how we keep your financial data safe.
Bank-level security
Your data is encrypted in transit and at rest. Karrat never sees or stores your bank login credentials.
Powered by Plaid
We connect your accounts through Plaid — the same trusted service used by thousands of financial apps and major banks.
Private by design
Your financial data is yours. We don't sell it, and you can mask sensitive values anytime with privacy mode.
Karrat, or the stick?
Grab the Karrat.
Download Karrat and start your free trial today. Available on iOS.