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.
Linc is here for wherever you are in your financial journey. Here are common things people ask about:
For people with checking, savings, and maybe a 401(k). You're focused on saving more and getting clarity.
"What's my actual asset allocation across all accounts?"
"Are we overpaying in fees?"
"How much cash is just sitting in low-yield savings?"
"How much do I save each month on average?"
"Where is most of my money sitting right now?"
You've leveled up. You want smarter context to grow your money with real-world market awareness.
"Which of our CDs mature next month?"
"How does inflation affect our savings goals?"
"What's the average credit card APR vs. ours?"
"Should we move excess cash into something higher-yield?"
"How far are we from our house down payment target?"
Complex finances with long-term goals. Get advisor-level insights without the fees.
"Should we refinance based on current mortgage rates?"
"Are Treasuries a better option than CDs right now?"
"What happens to our spending power if rates go to 6%?"
"What asset mix gives us the right balance of safety and growth?"
"How long can we last without touching our emergency fund if the market drops?"
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
For simple savings and spending clarity.
Level up with real-world context.
Get advisor-level insights without the fees.
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! Linc does not track your spending or categorize transactions. It answers your questions using your actual account data + live market context. Think of Linc as your financial advisor, not your accountant.
Easy. You can view, export, or delete all your data anytime with a single click. Full transparency, full control.
Stop guessing and started getting clear, honest financial advice
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