Intelligent Financial Wellness
Track spending, see the Opportunity Cost of every unnecessary purchase, and build lasting financial habits with a personal AI advisor that knows your full financial picture.
Every unnecessary dollar you spend is a dollar that could have been invested in your future. Bili connects your bank, analyzes every transaction, and shows you what that spending actually costs over time.
References to investing are educational illustrations only. Brokerage and securities trading are not available in the current version of the App.
Sources: Deloitte Gen Z & Millennial Survey (2024), Transamerica Retirement Survey (2024), PYMNTS Intelligence (2024), Federal Reserve SCF / FEDS Notes
What Bili does
One intelligent system knows your spending, investments, and goals—tagging unessential purchases and calculating their missed investment opportunity.
A chat-first home for your money. Ask about spending, saving, or goals—Advisor responds with plain-language answers and interactive widgets, with full context of your finances.
AI guidance is for financial wellness and education—not tax, legal, or complex investment advice.
See the opportunity cost of every unnecessary purchase. Bili compares splurges to historical market returns so you know the Opportunity Cost of that money—before you buy. Try the free calculator.
Hypothetical returns for illustration only. Not a guarantee of future results.
Every transaction is scored for necessity, categorized, and checked for recurring patterns, duplicates, price changes over time, and more—surfaced instantly.
A holistic rating based on how your investments and cash compare to debt—a quick read on your financial status. Creating a metric to improve over time, tailored to your life stage and goals.
Educational wellness metric—not a credit score or lending decision factor.
Accountability
Not generic tips—contextual guidance. Ask "How much have I spent eating out this month?", "Am I on track for my goals?", or run the Worth it? calculator on any purchase before you commit.
Bili Finance, LLC is a registered investment adviser. Advisor responses are personalized financial wellness guidance—not a substitute for professional advice tailored to complex situations. Full disclosures
Try it free — no app required
Enter any purchase. See what that money could grow into if invested instead—the same Opportunity Cost tool built into Bili.
How much are you spending—or thinking of spending?
Investment potential
$1,553
Is it worth it?
Hypothetical illustration at 10% annual return—not a prediction of future performance. Past performance does not guarantee future results. Excludes fees, taxes, and inflation.
In Bili, Opportunity Cost runs automatically on your real spending.
Same tool, inside Bili Advisor—with your bank-linked spending.
Spending intelligence
Secure bank linking. Transactions sync automatically, analyzed and categorized into dining, entertainment, subscriptions, and more, with future value calculated per category.
Sample month · necessity breakdown
Financial Health Score
Your score reflects how investments and cash compare to debt—motivational, actionable, and designed to improve over time as you build better habits.
For educational wellness purposes only—not a credit score or lending decision factor.
The Bili difference
Your financial picture, one place.
Finances made approachable.
See the opportunity cost of purchases.
Make informed financial choices.
Perspective
60% of young adults believe the “American Dream” is not possible for them.
We will prove that it is.
Stay in the loop
Public beta is live. Subscribe for product updates, financial wellness tips, and what’s next from Bili.
Opportunity Cost calculations use hypothetical returns based on historical market averages for illustrative purposes only. They are not predictions of future performance. Bili Finance, LLC is a registered investment adviser in multiple U.S. states. You should always evaluate spending and financial decisions based on your own research and understanding of your financial situation. Past performance does not guarantee future results. Brokerage and securities trading are not available in the current version of the App. See Disclaimers, Terms of Use, and Privacy Policy.
