Track spending, monitor investments, plan goals, automate budgeting, and get AI-powered financial insights across all your accounts — in one beautiful place.
Trusted by 100,000+ users · Connected to 12,000+ financial institutions
Everything You Need
Every tool you need to master your money — not a simplified dashboard, but a complete financial operating system.
See all your accounts, net worth, spending, and investments in one beautifully organized view updated in real time.
AI-categorized transactions with trend analysis, merchant breakdowns, and month-over-month comparisons.
Intelligent budgets that learn your patterns, alert you proactively, and rebalance automatically.
Never lose track of recurring charges. Detect, analyze, and cancel unused subscriptions with one tap.
Real-time portfolio performance, allocation analysis, and personalized rebalancing recommendations.
Multi-user households with role-based access. Share budgets, goals, and insights with your partner.
Define financial milestones — emergency fund, vacation, home — with AI-driven contribution plans.
Avalanche vs snowball calculator, payoff timelines, and interest savings projections for every debt.
Predict income and expenses 90 days out. Know before bills hit whether your cash flow is on track.
Advanced amortization, extra payment scenarios, refinance analysis, and equity projection tools.
Historical net worth chart across all assets and liabilities with milestone celebrations.
Year-end reports, tax-loss harvesting suggestions, and exportable statements for your accountant.
All Your Money in One Place
Connect all your banks, investment brokerages, credit cards, loans, and real estate in seconds via Plaid. Shah Financial syncs automatically so you always have an accurate net worth.
Lucent AI has full context of your financial life. Ask questions in plain English and get personalized, data-driven answers — not generic advice.
Dashboard Preview
A dashboard that surfaces exactly what matters, hides what doesn't, and helps you take action.
Web & Mobile
Lucent is a fully responsive progressive web app — access your complete financial picture from any browser on any device. Native iOS and Android apps are coming soon.
Enterprise Security
We apply the same security standards used by the world's largest financial institutions — because your financial data deserves nothing less.
All data encrypted at rest and in transit using bank-grade AES-256 standards.
Your bank credentials go directly to Plaid — we never see or store them.
We can only view your data, never move money or make transactions.
TOTP MFA with Google Authenticator, Authy, or any RFC 6238 compatible app.
Built to SOC 2 standards with access controls, audit logging, and data integrity policies.
Every API call is authenticated with JWT, rate-limited, and logged with a full audit trail.
Loved by Thousands
“Shah Financial completely transformed how I manage my money. The AI insights caught that I was overspending on subscriptions — saved me $340/month instantly.”
“I've tried every finance app out there. This is the first one that actually feels like it was built for someone serious about building wealth. The mortgage optimizer alone is worth it.”
“The household sharing feature is perfect for my family. My husband and I can see everything together, but I can still manage my personal goals privately. Genius design.”
“The net worth tracking and investment portfolio view are on another level. I can see my rental property equity, brokerage accounts, and retirement all in one chart.”
“Variable income was always stressful to budget around. Shah Financial's cash flow forecasting literally tells me 60 days out if I'll have a cash crunch. Game changer.”
“Finally a personal finance tool that matches the quality of the enterprise tools I use at work. The reporting center exports exactly what my accountant needs at tax time.matches the quality of enterprise tools”
Simple Pricing
Every plan includes a full 30-day free trial. No credit card required. No ads. No data selling.
Or $3.99/mo billed annually
Smart insights to level up your financial life.
Or $7.99/mo billed annually
Complete financial intelligence for serious savers.
Or $11.99/mo billed annually
For high-net-worth individuals and growing families.
All plans include a 30-day free trial, Plaid bank-level integration, and full web access. No credit card required to start your trial.
Join 100,000+ people who've taken control of their money. Start free — no credit card required.
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