Now accepting early access

Your parents had one bank.
You have eleven passwords.

Created by everyday people for the everyday person.

Beta launching Q3 2026 Free during beta 256-bit encryption Cancel anytime

412 people on the waitlist

$540 avg

saved per user annually

2 min

morning briefing, every day

1 place

for every financial decision

See it in action

Open PAL.
Know everything.

Every morning, PAL reviews your finances overnight and tells you exactly what needs your attention today. No dashboards to scan. No numbers to interpret.

Bills due in the next 48 hours, flagged before it is too late
Price increases on your subscriptions, detected automatically
Portfolio moves and savings milestones worth knowing about
Work and personal finances cleanly separated in one view

9:41●●●

Thursday, March 5

Here's what needs your attention

Amex Platinum due in 3 days

$2,840 · overdue risk if unpaid

$2,840

Hulu price increase detected

+$4/mo · PAL can negotiate

+$48/yr

Portfolio up this week

NVDA +4.2% · All positive

+$2,140

Net Worth

$124,840

▲ +$2,140 today

Monthly Spend

$3,241

▲ +8% vs last mo

Home

Finances

Calendar

Payments

Everything PAL does

Less dashboard.
More intelligence.

Click any feature to learn more.

Bill Negotiation

PAL contacts your providers on your behalf and negotiates lower rates — automatically or on demand.

Work & Life Mode

Toggle between personal and business finances in one tap. Two modes, one app.

Portfolio Tracking

Stocks, ETFs, and crypto alongside your spending and savings — in one view.

Savings Goals

Set a target, track your runway. PAL tells you if you are on pace or need to adjust.

AI Financial Advisor

Ask anything about your money. PAL knows your full picture and answers in context.

Subscription Control

See every subscription in one place. Cancel unused ones, get alerted to price hikes.

How it works

Set it up once.
It runs itself.

PAL is designed to take as little of your time as possible — while working constantly in the background.

Connect your accounts

Link your bank, credit cards, brokerage, and subscriptions in about three minutes through bank-level encrypted connections.

Bank accounts & cards

Linked

Investment accounts

Linked

Subscriptions detected

14 found

Get your morning briefing

Each morning, PAL surfaces only what matters. Open the app and know exactly where you stand in under two minutes.

Amex due in 3 days

$2,840

Hulu price hike detected

+$4/mo

Portfolio up this week

+$2,140

PAL negotiates for you

When a price hike is detected, PAL contacts the provider and negotiates a better rate. You only hear about it when the deal is done.

Comcast · Day 3 of 5

In progress

AT&T · Completed

$45/mo saved

Hulu · Queued

Next up

Savings calculator

How much could
PAL save you?

Move the sliders to match your situation and see your estimated annual savings.

Number of subscriptions

8 subscriptions

Average monthly bills

$180/mo

Hours spent on finances per month

3 hours/month

Number of bank/investment accounts

4 accounts

Your estimated annual savings with PAL

$612

Based on your 8 subscriptions and $180/mo in bills

$360

from bill negotiation

$168

from unused subscriptions

84 hrs

of time saved per year

How we compare

PAL vs the alternatives.

We built PAL because nothing else did all of this in one place.

Feature	PAL	Rocket Money	Copilot	Monarch Money
Morning briefing	✓	—	—	—
Work / Life mode	✓	—	—	—
Bill negotiation	✓	✓	—	—
Flat fee (no % cut)	✓	—	✓	✓
Investment tracking	✓	Limited	✓	✓
AI financial advisor	✓	Basic	Basic	Basic
Subscription control	✓	✓	Limited	Limited
Savings goals	✓	Basic	✓	✓
Starting price	Free	$6/mo	$14/mo	$14/mo

Early feedback

People are already talking.

★★★★★

The morning briefing alone is worth it. I used to spend 20 minutes every morning checking three different apps. Now I open PAL and I know everything in 60 seconds.

Jamie M.

Freelance designer · New York

★★★★★

PAL flagged $280 a month in subscriptions I had forgotten about in the first week. That alone paid for years of the Pro plan.

Sofia R.

Startup founder · Austin

★★★★★

The work and life split is genuinely different from anything else. I run an agency and my personal and business money were always mixed up. PAL separates them without any effort from me.

Tom K.

Agency owner · Chicago

From the founders

We built PAL
because we needed it.

We were spending three hours a month managing money across six different apps. Rocket Money for subscriptions. YNAB for budgeting. Robinhood for investing. A spreadsheet for business expenses. We kept missing bills. We never knew our actual number. PAL is what we wished existed.

We read every reply — sales@brcpinc.com

founders, all daily PAL users

paid for subscription negotiations since we built PAL

apps replaced by PAL for the founding team

3hrs

saved per month on financial admin

Pricing

Simple, transparent pricing.

No percentage cut on savings. No hidden fees. A flat rate that pays for itself the first time PAL negotiates a bill.

Starter

^$0

Free forever

Morning briefing
Connect up to 2 accounts
Subscription tracking
Basic spending overview
Bill negotiation
Portfolio tracking
Work / Life mode

Pro

^$12

per month · cancel anytime

Everything in Starter
Unlimited account connections
AI bill negotiation
Portfolio & investment tracking
Work / Life mode
Full AI financial advisor
Savings goals with runway

Business

^$29

per month · cancel anytime

Everything in Pro
Dedicated business view
Invoice & overdue tracking
Expense export for taxes
Vendor contract negotiation
Up to 3 team members
Priority support

Common questions

Everything you want
to know.

How does PAL actually negotiate my bills?

PAL contacts your provider directly — by phone, live chat, or email. It uses your account details and proven retention scripts that reference competitor pricing and your loyalty as a customer. Most major providers have retention departments with authority to offer discounts that are never advertised publicly. You approve any deal before it takes effect.

Is my bank data safe?

Yes. PAL uses 256-bit AES encryption for all data at rest and TLS 1.3 for data in transit. We connect via Plaid — the same infrastructure used by Venmo, Robinhood, and thousands of other financial apps. PAL has read-only access and can never move or modify your money. We will never sell your financial data.

Which banks and brokerages does PAL support?

PAL connects to over 12,000 financial institutions through Plaid, including Chase, Bank of America, Wells Fargo, Citi, and all major credit unions. For investments we support Fidelity, Schwab, Robinhood, E*TRADE, and TD Ameritrade. Coinbase and Binance are also supported.

Auto vs Manual negotiation — what is the difference?

In Auto mode, PAL monitors everything and acts when it spots an opportunity — you only hear from PAL when a deal is reached. In Manual mode, you choose which services to target, set your own goals, and approve each step before PAL acts.

Does PAL take a percentage of my savings?

No. Unlike Rocket Money and BillShark, PAL never takes a percentage cut. We charge a flat monthly fee. That means PAL always negotiates in your best interest, not to maximise its own commission. The average PAL user saves $540 a year — the app pays for itself many times over.

When will PAL be available?

We are targeting a beta launch in Q3 2026. Everyone on the waitlist gets early access before public launch, plus 3 months of Pro free. We read and respond to every email from waitlist members — join now and you will hear from us personally.

412 people already waiting

Join the waitlist

Be the first to
take control.

Early access members get 3 months of Pro free and a direct line to the founding team. We read every reply.

256-bit encryptionNo spam, everWe never sell your dataUnsubscribe anytime

3 months Pro free

Founding member badge

Direct founder access

Your parents had one bank.You have eleven passwords.

Open PAL.Know everything.

Less dashboard.More intelligence.

Set it up once.It runs itself.

How much couldPAL save you?

PAL vs the alternatives.

People are already talking.

We built PALbecause we needed it.

Simple, transparent pricing.

Everything you wantto know.

Be the first totake control.

Before you go —3 months free.

Your parents had one bank.
You have eleven passwords.

Open PAL.
Know everything.

Less dashboard.
More intelligence.

Set it up once.
It runs itself.

How much could
PAL save you?

We built PAL
because we needed it.

Everything you want
to know.

Be the first to
take control.

Before you go —
3 months free.