Meet ATLAS

YourPersonalCFO.

Every other app shows you your money. ATLAS tells you what you have been doing with it. Things like what is leaking, what is due and what to change this month to reach your personal financial goals, in plain English, with your own data.

Read-only. ATLAS never moves your money, and never sees your bank password. On the App Store and Google Play.

What the app looks like

Safe to spend

$4,373

until Fri, Sep 11

$4,550 liquid, less $177 of bills due before then.

In / mo$4,767
Out / mo$3,400
Kept / mo+$1,367
How this was worked out
Cash you can reach today$4,550
Bills due before Fri, Sep 11−$177
Safe to spend$4,373

It runs to your next payday. Spending all of it is safe in the sense that nothing bounces, not in the sense that it is a good idea.

Sample figures, not anyone’s accounts. ATLAS reads your own.

Capabilities

What it actually does

ATLAS reads all of your bank accounts and analyzes them for you. It finds things like:

ATLASLeaknow

Find what's leaking

Netflix went up $2 this month, there is a $12 fee on your checking you never agreed to, and Spotify has not been opened since March. Weekend dining is the big one: $183/mo. Each one named, with what it costs you a year.

Named, with a number

ATLASStatementnow

Never miss a statement

Amex ····5512 closes in 4 days with $412 on it. Paying before the statement date reports a lower balance, while there is still time to act on it.

Before the date, not after

ATLASCardsnow

Use the right card

That $84 at Whole Foods went on the wrong card. For groceries, Amex Blue Cash Preferred earns the most: $164/yr in upside. The answer changes by category, and ATLAS keeps track of it so you do not have to.

It changes by category

ATLASLimitnow

Stay inside the line

Food & drink is at $482 of your $600 limit and on pace for $611. Early enough in the month that changing course still means something.

Early in the month

Sample figures and sample merchants, not anyone’s accounts. ATLAS reads your own.

Ask

Ask ATLAS

You can ask anything related to your finances and it will help you with it.

Can I afford a $2,400 trip in March?
ATLASYes, but not comfortably in one month. Your card statement lands on the 4th and your rent clears on the 1st, so March is your tightest week. Spreading it across February and March, or moving the booking past the 6th, leaves you a working cushion either way.
I want to save up for the new MacBook later this year.
ATLASHow much, and is there a date you want it by?
Around $5,000, by Christmas.
ATLASGoal set, but the arithmetic does not quite work: $5,000 by Christmas needs $1,667 a month, and you are keeping $1,367. That is a $300 gap. Pushing the date, lowering the target, or finding the $300 all close it -- and $183 of it is sitting in weekend dining.
Should I pay the Amex before the statement closes?
ATLASIt is $412 and due in four days. Paying before the statement date reports a lower balance, which is the part that moves your utilization. After it closes the payment still counts, it just counts next month.

Illustrative. ATLAS answers from your own accounts, and does not give investment, tax, or legal advice.

Pricing

What it costs

One plan, and you can see the whole app before you pay for any of it.

$9.99a month

  • Free to look around on sample data, no credit card required.
  • The subscription is what connects your own bank and card accounts.
  • Cancel any time from Settings in the app. You keep access to the end of the month you paid for.
  • Paid by card through Stripe, in your browser. US dollars, plus tax where it applies.

For scale: in the sample month on this page, weekend dining alone comes to $183 a month. ATLAS names things like that, with what they cost you a year.

Trust

Your money, your data

ATLAS asks for access to the most sensitive data you have. Here is exactly what it does and does not do with it.

Locked

It cannot move your money

Read-only, by construction

  • No transfer, payment, or disbursement ability of any kind
  • When it suggests paying a card early, that is a prompt for you to act on
  • You do it in your own banking app, not here
Never seen

It never sees your bank password

Entered on your bank's page

  • Your credentials go in on your bank's own page, through Plaid
  • They are never sent to ATLAS
  • They are never stored by us
Never sold

Your data is not the product

No profile, ever

  • Never sold
  • Never shared with advertisers
  • Never aggregated
  • Never used to build a profile beyond your own report
One tap

Leaving takes one tap

Disconnected at the source

  • Delete your account and every linked bank is disconnected at the source
  • Not merely forgotten on our side
  • Individual banks can be disconnected on their own

The screen shows sample banks. ATLAS lists your own, and every one of them can be disconnected from inside the app.

Our mission is to give our users the tool they need to reach their financial goals, and ultimately their financial freedom.

About Starlight AI and ATLAS

Questions

Before you download

The things people ask first, answered plainly.

Why pay for a finance app?

An app you do not pay for is paid for some other way. ATLAS is paid for by you, which is why your data is not the product.

What the $9.99 pays for is the verdict: what is leaking, what is due, and what to change this month, each with a number. For scale, in the sample month on this page, weekend dining alone comes to $183 a month.

Look around on sample data first. It is free and needs no card, so you can decide whether it is worth it before you pay anything.

What if Plaid loses connection to my bank?

It happens, in every app that connects to banks. Banks expire connections from time to time, and some ask you to sign in again every 90 days.

When that happens ATLAS shows the account as needing attention, and you reconnect it in the app from You, then Linked banks. It is the same account afterwards, so nothing has to be set up again.

Can ATLAS cancel my subscriptions for me?

No, by design. ATLAS is read-only: it cannot move money or change anything in your accounts, for you or for anyone else.

It points out the subscriptions that went up, or that you may not need, with what each costs you a year. You cancel them yourself, with the company.

Is my data sold?

No, never. Your financial data is not sold, not shared with advertisers, not aggregated, and not used to build a profile beyond your own report.

What happens when I delete my account?

Every linked bank is disconnected at the source, at Plaid, not merely forgotten on our side. Every row of your data is removed at once: no soft delete, no grace period.

You do it in the app from You, then Settings, then Delete account.

Is ATLAS a financial advisor?

No. ATLAS works out figures from your own accounts and explains them in plain English. It does not give investment, tax, or legal advice.

More on the support page, and a person answers email.

Out now

Get ATLAS

Early access: join the first 1,000 users.

Download on theApp StoreGet it onGoogle Play

Free to look around on sample data. US accounts only for now.

Or hear about what changes. You can unsubscribe from any email, it is one address in one table, and it is not linked to anything. How we handle it.