Meet Oakhold, your personal CFO

Don't budget.
Just ask.

Always know what changed, what's coming, and what's free to spend. A calm daily brief and a money assistant grounded in your own accounts.

Download Oakhold
Powered by PlaidRead-only accessBank credentials never stored

Oakhold noticed

Rent lands Friday. You're covered, with room to spare.

A look inside

See where you stand, at a glance

Real app screens, shown with sample data. Track the goals you're building toward and see your whole money picture in one place.

Sample data
9:41

Goals

+ New Goal

Safe to save this month

420 €

After bills and your forecast buffer, this is available for goals.

Emergency Fund

You're ahead here. Shift 200 € toward it to hit the deadline sooner.

DismissBoost goal

Max 401(k) This Year

9.340 € / 23.000 €

~8 months to go · 1.916 €/mo

Deadline: Dec 31

41%
Boost Delete

Japan Vacation

1.533 € / 5.000 €

~8 months to go · 450 €/mo

Deadline: Dec 1

31%
Boost Delete

Emergency Fund

14.464 € / 15.000 €

~2 months to go · 450 €/mo

Deadline: Sep 1

96%
Boost Delete

Pay off credit cards

1.300 € / 2.600 €

50%
Boost Delete

Goal progress

26.637 € saved across 4 goals

Track what you are building toward, see progress at a glance, and let Oakhold suggest the next move.

Ask Oakhold

Plain-English answers from your numbers

Oakhold reads the same cash, bills, goals, and spending context you see above, then turns it into a clear next step.

Understands cash flow, bills, and goals together
Explains the math before suggesting an action
Can turn advice into an in-app goal update

Oakhold

your personal CFO

Sample account
Can I afford a 1.200 € Japan trip in July?
Yes. Your 90-day forecast still ends around 28.140 €, with rent, salary, and subscriptions already accounted for. Set aside 300 €/mo now so the trip stays separate from everyday spending.

Suggested action

Open a Japan trip goal at 300 €/month

Create goalAdjust amount
Ask anything about your money...↑
The product

A finance team in your pocket

Tap through the four tools that used to need an accountant, a spreadsheet, and a lot of willpower.

9:41

Today

×

Debt Warning

You have a total of 2.600 € in credit-card debt. Pay 500 € more than the minimum this month.

Open in Oakhold

Cash balance

$17,485
↗ +10%· vs last month

Last 30 days

Income

4.735 €

Spent

4.962 €

Over by

227 €

Next deadline · 7 goals

Emergency fund

96%

14.464 € of 15.000 € · by 1 Sep

Home
Cash Flow
Oakhold
Goals
Settings
Home

Your whole financial life, on one screen

Cash balance, spending momentum, goal progress, and the one alert worth acting on, all in a single calm home. No more bouncing between banking apps.

  • Cash balance with a 30-day line
  • Income & spending at a glance
  • Oakhold lives in the bottom tab
Languages

6 languages, one calm money voice

Pick your language once and Oakhold answers in it, keeping currency, dates, merchant names, and amounts exact.

English
Español
Français
Deutsch
Português
Italiano

Connect banks, brokerages & exchanges through Plaid

How it works

Up and running in three steps

From download to your first insight in minutes. No spreadsheets, no setup headaches.

1

Connect your bank accounts

Securely link your banks, cards, and investments in under two minutes through Plaid. Read-only, encrypted, no credentials stored.

2

Understand your finances

Everything is auto-categorized and visualized instantly: spending, subscriptions, trends, and a forecast of what’s ahead.

3

Let Oakhold guide your decisions

Ask Oakhold about any of it and get a clear, personalized answer. Set goals, plan ahead, and decide your next move with confidence.

How the forecast works

A forecast that shows its work

Most apps hand you a single future number and ask you to trust it. Oakhold shows the receipts: the detected paychecks, bills, and subscriptions it expects, each with a date and a confidence level, then walks your balance forward day by day.

Built from real recurring events

It finds your repeating income and bills in your own transactions, like payday, rent, and subscriptions, then dates the next one.

Honest about what's a guess

A steady paycheck is marked high confidence. Variable spending is labelled an estimate, never dressed up as certainty.

Points at the low moment

Adding the events up reveals the tightest day before payday, so you see the dip coming instead of hitting it.

Why your balance dips near payday

The events behind the number

Mostly known

Payroll · Acme Corp

+1.650 €

Matched to your usual deposit pattern

Next paydayHigh confidence

Rent

-1.400 €

Same amount, same day every month

Later this monthHigh confidence

Subscriptions · 4 detected

-63 €

Spotify, iCloud, gym, and one more

This monthHigh confidence

Variable spending

-684 €

Estimated from your recent categories

Through month-endEstimate

Projected low point · Jun 19

The tightest day before your next paycheck lands.

849 €
See how read-only access works
The calm-money promise

Someone capable is watching. Nothing is on fire.

Checking your money shouldn't feel like bracing for bad news. Oakhold is built so you can actually look at your finances and breathe: clear numbers, kind language, and a plan for what's next.

Context, not alarms

Every number comes with a reason and a next step. Down 400 €? That's the rent you expected. Still on track, nothing on fire.

Capable guidance, no stress

Ask Oakhold anything about your money and get a calm, direct answer. Someone capable is always watching, so you don't have to.

Designed to calm, not alarm

Muted colors, soft motion, quiet nudges instead of red-alert panic. Money you can actually look at without holding your breath.

Pricing

Simple pricing that pays for itself

Start free, then upgrade when you want the longer forecast, unlimited goals, and unlimited Oakhold messages.

Available today

Download links, account connections, subscriptions, paid plans, boosts, and exports are not publicly available yet.

Free

0 €

10 Oakhold messages / month

Get started with the basics.

  • 12 months of transaction history
  • Spending dashboard & donut chart
  • 1 savings goal
  • 30-day balance forecast
  • 10 Oakhold messages / month
  • -Subscription tracking
  • -Data export (planned)
Get started free
Early access

Pro

7,49 €/mo

Unlimited Oakhold messages

For people who want a weekly money review without building the spreadsheet.

  • Unlimited transaction history
  • Spending dashboard & donut chart
  • Unlimited savings goals
  • 90-day forecast + 6-month history chart
  • Unlimited Oakhold messages
  • Subscription tracking
  • Priority access to new planning tools
Start Pro

Target prices in EUR for early access; subject to change before launch. Oakhold is read-only and never moves your money. Learn about security

Built to earn trust first

See exactly where your money data goes.

No mystery, no fine print. Product views use sample data; when connections go live, this is the whole path: read-only, through Plaid.

Step 1

You

enter your bank login with Plaid, never with Oakhold.

Step 2

Plaid

hands Oakhold a read-only token for the accounts you choose.

Step 3

Oakhold

reads balances and transactions to build your brief. Nothing else.

What Oakhold will never do

  • Move, transfer, or withdraw your money
  • See or store your bank password
  • Sell your personal or financial data or use it for ads
  • Train its own AI models on your connected account data
Read the full security details
Launching soon

Take control of your money.

Oakhold is launching soon on iOS and Android. The download buttons are here so the path is clear, but they are not wired to store listings yet.

Coming soon.

Want a heads-up when the beta opens?

We'll only use your address to tell you when the beta opens. Never sold. Privacy Policy

Oakhold, your personal CFO

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