Every bank, card, loan and brokerage — personal and business, cleanly apart.
SapphireCore brings your whole financial life together, then catches the forgotten subscriptions, the surprise charges and the payments due — from numbers it refuses to fake or leave quietly wrong.
Every bank, card, loan and brokerage in one live view — what you own, what you owe, and your net worth over time. Tap any account for up to two years of history, with pending charges flagged.
Every dollar across every institution, added up the moment you open the app.
Assets minus debts, tracked month over month on one trend line.
Open any account for its full timeline, grouped by month, pending flagged.
Brokerage and retirement balances with what you actually own inside.
Every figure is defensible against your real accounts — or it's honestly flagged. That integrity is the whole point, and it's the part a competitor's screenshot can't copy.
When a bank connection drops, SapphireCore stops counting its balance instead of quietly leaving your net worth wrong. It keeps the history and asks you to reconnect.
It won't guess which apps hide inside an Apple or PayPal charge. You get the real grouped total, openable to the exact transactions.
Savings only count once SapphireCore confirms the deposit actually landed — and it reverses an unverified claim.
Add every institution into one honest net-worth number — and drop a broken feed instead of showing a wrong total.
Open the Apple or PayPal total to the raw charges instead of faking per-app guesses you can't verify.
Re-read your database to confirm a change actually happened before it tells you it did something.
Keep your personal money and your business in one app without them ever mixing. Connect a bank once and route each account to the side it belongs — separation enforced on the server, not just hidden in the UI.
Checking to Personal, the business card to Business — from a single connection.
Re-add a bank and it's recognized — no duplicate accounts, no second billable link.
Spending, subscriptions, rules, tax and AI memory stay where they belong.
Your whole financial life, without juggling apps or spreadsheets.
Not a budget you maintain — a system that maintains itself. Every charge is categorized as it arrives, even obscure local merchants, into the right tax bucket. Fix one and it remembers — this charge, all past, or every future one.
Charges sorted into the right IRS/expense bucket automatically.
Correct a merchant once, choose the scope, and it sticks — with a My Rules screen.
"How much at Starbucks in January?" — answered from your real history.
A plain verdict on your business cash flow, plus how long your money lasts.
SapphireCore reads your bank feed and surfaces every recurring charge, rated Confirmed or Possible so nothing slips by and nothing cries wolf. It shows which card pays, flags the ones you've stopped using, and even finds hidden card and account fees.
Confirmed vs Possible recurring — a list you can trust.
"Stopped using this?" nudges on dormant subscriptions.
Apple, Google & PayPal grouped and openable — never faked.
"Add Progressive $333/mo" or "confirm all" — done, even for cash bills.
Millions of people connect their banks to financial apps every day through Plaid — the same infrastructure behind Venmo, Robinhood, and Coinbase. SapphireCore uses the same standard. Your login goes directly to your bank, never through us. We receive a read-only key. That's it.
See your true credit-card debt, and the balance as of statement close — the figure that shapes your credit score, computed across every card, not just today's spending. Never miss a due date, and always reach for the card that pays you back most.
The score-moving number, color-coded, across all your cards.
Due day, minimum and an overdue flag, with reminders you set.
SapphireCore looks up each card's current earning rates — even obscure cards.
Every balance and available credit, added up in one place.
Set a target and SapphireCore breaks it into tiles you unlock as you save, with milestone celebrations along the way. Progress you can't fake — it confirms the deposit actually landed before a tile counts, and for invested goals it keeps your contributions separate from market swings.
Tiles only count once the real deposit lands in your account.
Celebrations at 5%, 25% and 50% keep the momentum going.
Back a goal with whichever bucket fits.
Jump straight to your bank or broker, then watch the tile fill.
You shouldn't have to open an app to find out something changed. SapphireCore runs after every sync — flagging what needs you, remembering what you tell it, and getting sharper over time. The assistant is there when you want to ask; it's just not the reason you open the app.
A year kept honest and organized turns tax season into a five-minute export, not a shoebox. SapphireCore tells you what's missing before your accountant does — then hands off a clean package.
It organizes and hands off. It doesn't file your return, compute your liability, or replace your CPA.
A 0–100 score per side, with a tappable checklist of what's left.
It names the exact months of statements or the W-2/1099 you still owe.
Snap a receipt — merchant, amount, date and category read for you.
A CPA-ready Excel + PDF package, assembled and shared from your phone.
Start with your personal finances, or run your whole business life in one place. Every plan starts with a 7-day free trial.
Every plan includes a 7-day free trial, with monthly or annual billing — cancel anytime. One cancelled subscription usually pays for the year.
SapphireCore connects to your banks read-only through Plaid. It can read transactions and balances — it cannot move money, make payments, or initiate transfers.
Bank connections use Plaid — the same technology trusted by millions of apps. We never store your banking credentials.
Your data is protected with TLS in transit and AES-256 at rest on our infrastructure. Sensitive credentials on your device stay in the hardware-backed keychain.
Each side is isolated on the server, so financial data never crosses between your personal and business life.
Tax documents live in your own Google Drive, not on our servers — you keep control and can revoke access anytime.
Disconnect any account and Sapphire revokes the bank connection with Plaid. Delete your account and data whenever you want. We never sell your information.
The assistant is powered by Anthropic's Claude. Relevant details are processed to answer you, with card numbers masked — your data is never sold, never used to train AI, and never stored as content in our logs.