No budgets.
Just know if you're Thriving, Healthy, or need to pay attention.
Connect your accounts. BooCoo scores your financial health automatically — runway, spending trends, and consistency — and tells you where you stand. No methodology. No homework.
Features
The whole picture. None of the homework.
Financial Vitals
One score. One color. The color tells you where you stand. The score tells you by how much. Backed by burn rate analysis, debt health metrics, and financial runway projections.
Net Worth Dashboard
Assets, debts, and net worth in one place — with daily history charts so you can see the actual trend, not just today's number.
Spending Trends
Automatic categorization with weekly, monthly, and historical comparisons. See which categories are creeping up before they become a problem.
Privacy First
Your financial data lives in your personal iCloud — not our servers. No email. No login. No name. BooCoo cannot identify you. We charge subscriptions — there is nothing else to sell.
Seamless Sync Across Your Devices
Works on iPhone, iPad, and Mac via your personal iCloud. No third-party account, no extra login.
AI-Powered Insights
Ask questions about your spending or let BooCoo surface what matters. Powered by Claude AI using only aggregated totals — no transaction details, merchant names, or account numbers are ever shared.
Connect Everything
Link 12,000+ banks via Plaid. Connect Apple Card, Apple Cash, and Apple Savings free via Apple FinanceKit. Manual entry and CSV/OFX imports are always free — no bank connection required.
A different philosophy
Made for everyone who's been burned by finance apps.
Apps like YNAB want you to give every dollar a job and reconcile your accounts every week. Mint tracked everything, but it felt like you were being audited. Most finance apps are designed for people who genuinely enjoy managing their money like a spreadsheet.
And then there's this: Most "free" finance apps are built to sell you stuff — a credit card, a loan, a refinancing deal. The bank connection isn't a feature. It's a data pipeline. Your spending patterns become targeted, and your financial anxiety is their conversion funnel.
BooCoo is for the rest of us — people who just want to check in, see if they're okay, and get on with their life. Our revenue comes from your subscription, not your data. No affiliate deals. No ad network. No product pitches. And because your transaction history is never stored on our servers, there's nothing to monetize even if we wanted to.
No envelopes. No methodology. No cult.
How It Works
Three steps to clarity.
Connect your accounts
Link banks, cards, loans, and investments through Plaid or Apple FinanceKit. Manual entry and CSV/OFX imports are always free — no bank connection required.
Check your Financial Vitals
Your score updates automatically. The color tells you where you stand. The score tells you by how much. No interpretation required.
Watch your trends
Net worth history, spending by category, and burn rate analysis tell you which direction your money is moving — and how fast.
Screenshots
See for yourself.
Your own history.
Not a budget.
Spending trends.
No categories to maintain.
Connect your banks.
Everything else is automatic.
12,000+ banks.
Zero ads. Zero upsells.
Your money is already trending.
Find out which direction.
Connect your accounts, check your Financial Vitals, and know if you're okay.
The app is free. Connecting your banks (via Plaid) starts at $2.99/month — with a free 7-day trial.
Scan to download