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🚨 Fraud detected
💸 $164 saved
📅 12 days runway
🤖 Elio online
Predictive Financial Intelligence

Your bank knows you're
$147 short on May 18.
Elio will tell you.

Elio sees your cash gaps before they hit, catches fraud the moment it appears, and tells you exactly what to do — before damage happens.

Get Early Access See How It Works

First forecast free · iOS & Android · 3-day trial · No card needed

May 18
Cash gap
$147
Short before payday
94/100
Fraud risk score
496
Elio Score™
Cash runway trackingReal-time fraud scoringElio Reasoning EngineSubscription scannerNet worth trajectoryElio Score™ · 6 factorsCash flow calendarFace ID · Touch ID · PINSavings goalsCSV export11,000+ institutionsCash runway trackingReal-time fraud scoringElio Reasoning EngineSubscription scannerNet worth trajectoryElio Score™ · 6 factorsCash flow calendarFace ID · Touch ID · PIN11,000+ institutions
Early access

Join the first users
of Elio.

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The Elio Reasoning Engine

See it think.
Right now.

This is the same financial intelligence built into the Elio app — with sample account data loaded. Ask anything and get a real answer with actual numbers.

→Knows your balances, bills & runway
→Specific answers, not generic advice
→Elio Reasoning Engine — server-side, secure
Try asking:
Elio
Online · Sample data loaded
Demo mode
Balance
$24,840
Runway
12 days
Monthly left
$612
Elio Score
496
Subscriptions
$164/mo
This is the Elio Reasoning Engine — ask it anything about your finances
Proprietary

Elio Score™
6 factors. Daily.

Most apps give you a bureau credit score. Elio calculates your real financial health across 6 dimensions from your live account data — every single day.

✓Updated from live Plaid data daily
✓Specific actions to improve each factor
✓Benchmarked to your income and lifestyle
0
/ 1000
Financially Coping
🚨Emergency Readiness
22
💧Liquidity
52
💳Spending Discipline
44
📉Debt Load
71
💰Savings Growth
58
🛡️Risk Exposure
68
Only Elio does this

Every other app tells you
after you've been hit.

Elio scores every transaction for fraud risk the moment it appears — before it posts, before the dispute window closes, before you open the app.

FRAUD ALERT · LIVE
3:24am
Suspicious charge
DGTL*MEDIA
−$347.00
Fraud risk score94/100
📍 Location mismatchHIGH RISK
🕐 Unusual time (3am)HIGH RISK
❓ Unknown merchantHIGH RISK
📊 Unusual amountMEDIUM
✓ Mark safe
⚑ Dispute now
94/100
Scored instantly
Every transaction gets a fraud risk score the moment it appears — before it even posts to your account.
3am
Watches while you sleep
Fraud doesn't keep business hours. Elio monitors around the clock, 365 days a year.
1tap
Dispute before it's too late
Other apps alert you days later. Elio puts the dispute button in your hand immediately.
🛡️
No other personal finance app scores fraud risk before it posts. This is Elio only.
Elio Reasoning Engine

Predictive intelligence
that acts before you ask.

Elio's Reasoning Engine processes your live accounts, upcoming bills, and spending patterns — surfacing decisions before you even know you need to make them.

📊
Knows your real data
Built from your live accounts. Ask "Can I afford a $400 flight?" — get a real answer with your actual balances.
🔄
Persisted chat history
Elio remembers what you asked last week. Every conversation builds on the last.
📅
Weekly briefings
Every Monday, a personalised recap of last week and a plan for the week ahead.
Elio
● Online · Analyzing your accounts
↑
Bank-grade security

Your money stays yours.
Always.

Elio connects to your bank but never touches your money. Read-only access. Server-side processing. Your credentials never leave your device.

🏦
Plaid-powered connections
Elio connects to 11,000+ institutions via Plaid — the same infrastructure used by Venmo, Coinbase, and American Express. Read-only. We never see your credentials.
🔒
Face ID · Touch ID · PIN
Elio locks behind your device's biometrics or a hashed PIN. Even if someone has your phone, they can't access your finances. All auth happens on-device.
🛡️
256-bit encryption
All data in transit uses TLS 1.3. All data at rest is encrypted at the database level. API calls happen server-side — your keys are never exposed.
🤖
Server-side Reasoning Engine
Unlike apps that expose AI processing in the browser, Elio's Reasoning Engine runs entirely on our secured backend. Your financial data never leaves our infrastructure.
👁️
Read-only access
Elio can see your accounts. It cannot move money, make payments, or initiate transactions. Financial data for analysis only — nothing more.
🗑️
Delete anytime
Your data is yours. Delete your account and every record — accounts, transactions, chat history — is permanently removed from our servers within 24 hours.
🔐 TLS 1.3
🏛️ Plaid certified
🔑 Argon2id PIN hashing
📱 On-device biometrics
🛡️ Row-level security
🚫 Zero credential storage
Why Elio wins

Other apps track money.
Elio predicts it.

Typical finance apps
✗
Tells you what already happened
You check your balance after the car insurance hit yesterday.
✗
No fraud detection at all
They show transactions after they post. No risk scoring.
✗
Generic AI that doesn't know you
"Try to spend less on dining." Thanks. Very helpful.
✗
Requires manual budget setup
Set categories. Enter limits. Update every month. Forever.
Elio
✓
Sees cash gaps 2 weeks ahead
Maps every bill and paycheck forward. Tells you exactly when you'll run short.
✓
Fraud detected before it posts
94/100 risk scored at 3am — before you even wake up.
✓
AI that knows your exact numbers
Ask "Can I afford a $400 flight?" — real answer, actual balances.
✓
Zero setup. Works from day one.
Connect accounts. Elio learns your patterns automatically.
Feature Elio Others Manual Tools
Proactive cash gap alerts✓——
Real-time fraud detection✓——
Predictive financial intelligence✓——
Elio Score™ (6 factors)✓——
Cash flow calendar✓✓—
Net worth trajectory✓——
Subscription scanner✓✓—
Multi-bank aggregation✓✓—
iOS & Android✓✓—
Free tier available✓✓—

Generic labels used — not endorsements of any specific product.

Pricing

Simple pricing.
No surprises.

Start free. Try for 3 days. Upgrade when Elio saves you more than it costs — which usually happens on day one.

Free
$0/mo
The essentials, forever free.
✓Cash flow calendar
✓Connect up to 3 accounts
✓Fraud alerts
✓Subscription scanner
✓Spending insights
—Elio Reasoning Engine
—Elio Score™
Get Early Access
3-Day Free Trial
Premium
$14.99/mo
Your Elio, completely unlocked.
✓Everything in Free
✓AI CFO chat — unlimited
✓Elio Score™ — 6 factors
✓Net worth trajectory
✓AI-personalised fraud detection
✓Unlimited accounts · goals
✓Full transaction history + CSV
Get Early Access →
Annual
$119.99/yr
Everything in Premium. Save $59.89 — 4 free months.
✓Everything in Premium
✓Save 33% vs monthly
✓Priority support
✓Early feature access
✓Cancel anytime
Get annual plan

🎁 3-day free trial — no card needed to start · Cancel anytime

Early access

Built for people tired
of financial surprises.

11k+
Banks supported via Plaid
256-bit
Encryption on all data
Read-only
We never touch your money
AI
Powered insights, fraud detection & forecasting
★★★★★
"Elio flagged a $347 charge I would have totally missed. Turned out to be fraud. Got my money back in 48 hours."
JS
Jordan S.
Software engineer, Chicago
★★★★★
"I had no idea I was paying for 7 subscriptions I never use. Elio found $164/month in waste on day one."
MR
Maya R.
Freelance designer, NYC
★★★★★
"The cash runway feature alone is worth it. Knowing I have a gap 2 weeks out means I can actually do something about it."
TK
Tom K.
Teacher, Austin
>
Get started

Know your money
before it surprises you.

Your next cash gap is already on the calendar. Your next fraud attempt is already in motion. Elio is the only app that sees both — and tells you before it's too late.

Get Early Access →

First forecast free · iOS & Android · 3-day trial · No card needed

Early access

Join the first users
of Elio.

Get early access, product updates, and launch rewards — before we go public.

J
M
T
A
R
1,284 people already waiting
🔒 No spam. Unsubscribe anytime.
✓
You're on the list.
We'll reach out before launch with early access. Watch your inbox.