AI Wealth Manager
Free For Everyone

Stop paying up to $20/month for budgeting apps that only show your past. Get real-time answers and a clear view of your financial future.

Beta rolling out slowly, priority access with premium features for early supporters

Chat with Your Financial AI

Get instant, personalized answers to all your financial questions. From "Can I afford this?" to "How can I save more?", Pearl has you covered.

  • 💬 Natural conversation interface
  • 🧠 Contextual financial insights
  • ⚡ Instant personalized responses

See Your Financial Future

Unlike traditional budgeting apps that only show the past, Pearl predicts your financial trajectory and alerts you before problems arise.

  • 🔮 Future cash flow predictions
  • ⚠️ Early warning system
  • 📊 Personalized projections

Financial Forecast

📈

6-Month Outlook

On track to save $12,400

⚠️

Spending Alert

Dining out increased 40% this month

🎯

House Down Payment

Projected completion: March 2026

Free & Open Banking

Manage your money with complete freedom. Pearl gives you free access to view all your finances in one place and AI-powered financial tools with simple, secure, and open banking for everyone.

  • 🆓 Features from costly budgeting apps are free to use
  • 🏦 Secure open banking with Flinks
  • 🤖 Your personal AI finance assistant
  • 🌍 Financial wellness made accessible
🏦Bank
💳Credit
📈Invest
💰Savings
🤖Your AI Wealth Manager

Your Complete Financial Dashboard

Connect all your accounts for a comprehensive view of your wealth. Track everything from checking accounts to investments in one intelligent platform.

  • 🏦 View all your investments, IRAs, 401ks and more
  • 📈 Track all your income, spending, and debt
  • 🔒 See all your finances in one place
Good morning, Alex
Projected Net Worth$427,540

How We Protect Your Data

Privacy-first design with multiple layers of encryption, secure key management, and strict access controls — so your personal and financial data stays safe, anonymous, and private at every step.

  • 🔐 AES 256-bit encryption at rest, TLS in transit
  • 🛡️ Your identity has a second layer of encryption with AWS KMS
  • 🚫 We don't store your credentials, we use Flinks a US regulated open banking processor
  • 🤖 Pearl AI doesnt have access to who you are, only processes anonymous data

Stay Ahead With Smart Alerts

Receive proactive notifications about your financial health. Pearl monitors your spending patterns and alerts you before you go off track.

  • 🔔 Proactive spending alerts
  • 💰 Savings opportunities
  • 🎯 Goal progress updates

Disclaimer

Important Notice

The materials on this website, in the Pearl app, and in related communications are for informational purposes only and do not constitute financial, investment, legal, tax, or other professional advice. Pearl Tech Inc. ("Pearl," "we," or "us") is not registered as an investment adviser, broker-dealer, or fiduciary and does not provide personalized recommendations or endorsements. Nothing herein is an offer or solicitation to buy or sell securities, investments, or related financial instruments.

Current Platform Status

Pearl is in a waitlist/beta phase for testing purposes, including gathering user feedback on performance and features. Potential bugs, interruptions, or changes may occur.

No live trades, money movement, automated investing, or advisory services are available at this time. These features will launch only after obtaining all required regulatory approvals (e.g., SEC registration where applicable) and notifying users.

Investment Risks

Investing involves significant risk, including possible loss of principal.

**No Guarantees:** Past performance does not predict future results.

**Risk of Loss:** Only invest what you can afford to lose without impacting your financial stability. Markets can fluctuate unpredictably.

Independent Decision-Making

Our AI tools provide budgeting insights, projections, and calculators, but all decisions are yours alone. Pearl does not guarantee the suitability of any investment, account, or strategy—evaluate them based on your goals, risk tolerance, and circumstances.

Consult Qualified Professionals

Before acting on any Pearl information, consult a licensed financial advisor, attorney, accountant, or tax professional familiar with your situation.

Third-Party Services

Account connections (e.g., via Plaid or Flinks) and other integrations are for convenience only. Pearl is not responsible for their security, availability, performance, or any related issues.

Accuracy & Availability

All content is provided "as is," without any warranties—express, implied, or statutory—including but not limited to accuracy, completeness, timeliness, merchantability, non-infringement, or fitness for a particular purpose.

Limitation of Liability

To the fullest extent permitted by law, Pearl disclaims liability for any direct, indirect, incidental, consequential, or other losses arising from:

  • Use of or reliance on the Pearl platform or content;
  • Market movements, external events, or third-party interruptions;
  • Errors, omissions, or inaccuracies in information.

Compliance & Future Access

Pearl complies with applicable laws and will enable investment features only after full regulatory clearance. You are responsible for your own legal compliance in your jurisdiction.

Acceptance

By joining the waitlist, connecting accounts, or using Pearl, you acknowledge and accept this Disclaimer, our Terms of Service, and Privacy Policy. Questions? Email [email protected]. [email protected].

Pearl Tech Inc.