Show HN: The Money Company – Talk to your bank in plain English
Most banking apps are great at showing line items but painful at answering questions:
“How much can I safely burn each month and still have 18 months runway?”
“Which vendor categories jumped the most this quarter?”
“If I max out my ISA, how does that change my tax bill?”
Founders (myself included) end up exporting CSVs, writing one-off formulas, or pestering a CFO friend on Slack.
Unified pipes to your accounts – Open Banking + Plaid + a couple of direct bank partnerships pull transactions and balances in real-time.
Domain-tuned LLM – We built a finance-specific finetuned language model + tool-calling layer that understands “What did I spend on infra last month?” and returns a clear answer, supporting docs, and the SQL it ran under the hood.
Action shortcuts – From the same chat you can schedule transfers, set budget alerts, or spin up an “instant runway report” PDF for investors.
Privacy & security first – Read-only access by default, end-to-end encrypted storage, and we never train models on raw user data.
Where we are Private alpha with 200 live users (mostly early-stage founders and indie-hackers).
Handling ~£12 M in linked balances; average chat latency is <1.5 s.
SOC 2 readiness audit in progress.
What's next? We’re expanding beyond “answers” into perks that used to be exclusive to the ultra-wealthy—think last-minute restaurant tables, card-linked cashback, concierge bookings—surfaced automatically when your spending patterns qualify.
Please let us know what kind of perks you would like us to add to the platform. We would also appreciate to hear any requests or problems you have had with a financial advisor if you ever worked with one
I'm probably unusual in this, but this kind of thing is a Big Red Flag to me. It strongly implies that my data is being used for marketing purposes.