Albert

Open the app on payday and let it run your routine for you. Link your checking in minutes, choose what percent of each deposit goes to everyday spending, short‑term goals, and your portfolio, and set a cap so you never overspend. Turn on Smart Save to skim small amounts when cash flow allows, or schedule fixed transfers to goals like rent, travel, or an emergency cushion. You can also enable early deposit when your employer supports it, so funds land sooner and your automated rules kick in without you lifting a finger. The home screen shows what arrived, what moved, and what’s left, with alerts if you’re getting close to limits.

Build a living budget you actually use. Create categories that match your life—groceries, utilities, childcare, rideshares—and group transactions as they post. Set weekly or monthly targets per category and get nudges before you blow past them. Add your bills once, pick due dates, and receive reminders; many payments can be sent right from the app. Run quick reports to see trends, export a tax summary at filing time, and flag deductible items. If you manage rentals, track rent received, mortgage and repair costs, and store documents alongside each property. Travelers can record expenses in multiple currencies and see a clean total in your home currency.

Short on cash between paychecks? Tap Instant, view your eligibility based on earnings history, and request up to $100 to land in your account within minutes. Repayment happens automatically on your next payday—no interest, no late fees, and no hard credit check. Use spending guardrails to keep the advance from vanishing on impulse buys, and route a portion of your next deposit to refill your buffer. Round out your safety net by comparing insurance options inside the app; pick coverage levels, start a policy, and keep all your docs in one place with renewal reminders.

Invest without babysitting it. Select a risk level, turn on recurring contributions, and monitor performance from a single screen. The app rebalances when needed and highlights how your savings and investments are tracking toward goals. If you want a second opinion, message a human advisor for coaching on debt payoff, saving rates, or portfolio tweaks. Track every loan—balances, rates, and due dates—and see how extra payments change your payoff timeline. Use the full transaction history to verify charges, dispute errors, or export data. As you keep money parked, watch for annual bonuses on eligible savings, and move funds back to checking whenever you need them.