Combines OpenAI's intelligence with real financial data and live market insights — without compromising your privacy.
"How much am I actually saving each month?"
Based on your last 6 months of transactions, you're averaging $1,247 in savings per month. Your highest saving month was March at $1,890.
"Should I move my emergency fund to a higher-yield account?"
Yes! Your current savings account yields 0.5%, but top high-yield accounts offer 4.8%. Moving your $12,000 emergency fund could earn an extra $516 annually.
Hi! I'm here to help with your financial questions. What would you like to know?
How much am I saving each month?
Based on your last 6 months, you're averaging $1,247/month in savings. Your highest month was March at $1,890.
Should I move my emergency fund?
Yes! Your current account yields 0.5%, but top high-yield accounts offer 4.8%. Moving your $12,000 could earn an extra $516 annually.
No dashboards. No spreadsheets. No setup required.
Link your financial accounts securely via Plaid
No complex setup or navigation required
Linc uses your data + live market info to provide smart insights
Most people don't realize this, but ChatGPT doesn't come with live market knowledge. That's where Linc makes a real difference.
Financial theory (e.g. asset allocation, tax optimization)
Best practices for budgeting and investing
How to reason through questions with logic
Today's CD or Treasury rates
Current economic headlines or Fed moves
Anything that's happened since late 2023
Linc feeds trusted real-time data into OpenAI behind the scenes — so when you ask, "Should I roll over this CD?" you get an answer based on today's best rates and your actual accounts.
Linc is not a budget tracker, robo-advisor, or complicated dashboard. It's your on-demand financial analyst, powered by OpenAI + real-time market awareness.
OpenAI analyzes your financial data to provide personalized, intelligent answers to your money questions.
Get answers based on current interest rates, market conditions, and economic trends, not outdated information.
No setup required. Ask questions in plain English and get immediate, actionable insights about your finances.
Your data is protected with the same security technology used by major banks and financial institutions.
See exactly what data we have, export it anytime, or delete everything with a single click.
Your financial data is never used to train AI models. Everything is anonymized and encrypted.
Pick the plan that fits where you are with your money today
Simpler than spreadsheets, smarter than budgeting apps.
Go beyond budgets — see how the economy affects your money.
Included data sources: FRED, Brave Search
Your personal Bloomberg Terminal — without the $2,000/month price tag.
Additional data sources: Alpha Vantage, Polygon.io
Not sure which plan is right? Read our blog to help you choose.
We never store sensitive information, never train on your data, and give you full control over what's connected or deleted.
The same secure tech used by Venmo, AmEx, and thousands of banks
We can't move your money — ever
All sensitive data is anonymized before AI analysis
Your data is never used to train AI models
View, export, or delete all your data anytime
See exactly what data we have about you
Let's clear up some common concerns
OpenAI is the company that developed the GPT models, including the one behind ChatGPT. Ask Linc uses OpenAI’s most advanced model, GPT-4o — but through a private, secure API that’s very different from using the public ChatGPT app.
Totally fair. That's why we use Plaid, not your login info — and your data is read-only, never stored, and never used to train models.
On its own, ChatGPT doesn't. That's why Linc pulls in real-time data — like CD rates, bond yields, and current news — and feeds it into OpenAI as context for your questions.
Nope. Budgeting apps track every transaction and show you charts. Linc helps you make sense of it all. It answers questions like “Am I saving enough?” or “Will I ever be able to buy a house?” by connecting to your real accounts, layering in market data, and giving you clear, personalized answers — without tracking your every move or selling your data.
Easy. You can view, export, or delete all your data anytime with a single click. Full transparency, full control.
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