SuperMoney
Your money stress, solved by AI.
503 followers
Your money stress, solved by AI.
503 followers
An AI personal finance app that goes beyond tracking. SuperMoney surfaces money-saving actions—optimize debt, spot better options, and stay on plan—so you always know what to do next.
Agnes AI
How could I migrate all my financial status and data to SuperMoney? It could be quite tedious sometimes...
@cruise_chen SuperMoney uses bank linking technology to import your data directly from the financial institutions you use. Once you authorize access it's seamless and our AI is able to comb through the data to provide personalized insights and recommendations.
SuperMoney
@cruise_chen Great question! The good news is there's no tedious manual data entry needed. When you connect your financial accounts through the app, SuperMoney securely pulls in your balances, transactions, and account details automatically. You can link bank accounts, credit cards, loans, and investments all in one place.
Once connected, Sense AI starts analyzing your full financial picture and gives you personalized insights right away. Most users are fully set up in just a few minutes.
If you run into any issues connecting an account, just let us know and we'll help you get sorted! www.supermoney.com
moltdj
How does it handle prioritization when there are multiple competing actions like paying down debt vs switching to a better savings rate? That's usually where finance apps fall short.
SuperMoney
@borislovelove Great question — this is exactly where most finance apps just throw a dashboard at you and say "good luck."
Sense AI is built on actual financial planning best practices. The default prioritization looks like this: build a small emergency fund first, then attack high-interest debt, then save and invest. That's the order most CFPs would recommend because it protects you from a crisis while stopping the bleeding on expensive debt.
But it doesn't stop at defaults. It balances all of that against your actual goals and preferences.
Debt payoff is a good example. It defaults to the avalanche method — highest interest rate first — because that's what makes sense mathematically. But for some users, the psychological mini-wins of the snowball method (smallest balance first) matter more than the marginal interest savings. If that's you, it adapts.
The key is that it's not just running one formula. It's weighing competing actions the way a financial coach sitting across from you would — your emergency cushion, your debt load, your rate gaps, your goals — and giving you a prioritized plan, not just a list of things you could do.
SuperMoney
@borislovelove Great question, and you're right that this is where most apps fall short.
Here's the honest answer: personal finance is personal. The math often has a clear direction but the best decision depends on tradeoffs that are specific to you, and sometimes you just need to think it through out loud without feeling judged for not already knowing the answer.
That's actually what Sense AI is built for. I was using it myself recently to work through whether to pay down my mortgage or my auto loan first. The auto loan has a slightly higher rate so mathematically it's the right move, but the real answer came with a caveat: it only makes sense if I actually redirect that payment to the mortgage once the auto loan is paid off. Sense AI walked through both scenarios, helped me see the numbers clearly, and we landed on a decision I actually understood and felt confident about.
No app telling me what to do. Just a conversation that helped me think it through.
That's what we're going for with every financial decision, big or small.
Congratulations on the launch! I've been asking Sense AI some questions in the app and it is doing a really good job of giving me very relevant, honest, and detailed information about my budgeting goals. Also, I haven't come across any bugs in the app yet, so I have to commend the team on launching such a polished product!
SuperMoney
@shaam Thanks for trying out the app and glad you've had a smooth experience so far. If you run into anything or have feedback as you keep using it, we'd love to hear it.
@akash_talwar Will do. Thank you!
Very interesting concept! Does it help direct some of your money left over after expenses towards savings and investments?
SuperMoney
@ross_williams3 Cool question Ross, and the answer is yes! Currently, our insights feed works by providing tailored advice based on your spending and savings behavior. So, say the month just turned and there's money left over after expenses — we understand if there's any type of debt to redirect that money to pay your debt faster, or if there's no debt, we compare how much this money invested will return over a series of years.
@enzo_torquato Looking forward to showing you what my team and I have been working on! Great job!
SuperMoney
@ross_williams3 Yes on savings, we surface high-yield savings options and help you see exactly how much you have available to put to work based on your actual cash flow. On investments, we're not a robo-advisor and we won't pretend to be. Right now the focus is on the foundational stuff most people haven't nailed yet: eliminating high-interest debt, optimizing rates, building a real budget. For most people that's where the highest return on their financial attention actually is. Investments come next, and we'll be building toward that.
Can't wait to try this out! Does the credit scoring model work off of Experian, Fica? Or is the model unique to the app?
SuperMoney
@minhajulll Thanks for the interest! We integrate with data vendors that act as intermediaries with Experian, Equifax, and other credit bureaus to get a high-level overview of your current debt obligations and credit score. On top of that, we have our own proprietary system that uses that data to provide personalized recommendations on improving your score and finding opportunities to reduce your debt burden. Hope you enjoy the app!
SuperMoney
@minhajulll Currently pulling from Equifax but likely moving to Transunion.
@miron_lulic Interesting, I know a lot of the UK base prefers Equifax in my personal experience, so maybe that's one to consider.
love that this actually gives you next steps instead of just showing a depressing pie chart of how much i spent on food 😅. when it says 'optimize debt,' does the ai actually calculate specific payoff strategies (like the avalanche or snowball method) for my connected credit cards? And can I connect all of my accounts?
SuperMoney
@samet_sezer Great question! Yes - when you complete a soft credit pull in the app, the AI analyzes your actual debt accounts, balances, and interest rates to recommend a personalized payoff strategy. You can choose between the avalanche method (highest interest first, saves the most money) or the snowball method (smallest balance first, builds momentum) based on what works best for you.
And yes, you can connect multiple bank accounts so the app has a full picture of your finances to remove the guesswork and give you a plan that actually fits your situation.
Give it a try and let us know what you think!
SuperMoney
@samet_sezer Yes on both. Sense AI calculates specific payoff strategies including avalanche (highest interest first) and snowball (smallest balance first) based on your actual balances and rates, not hypothetical numbers you typed in. It shows you the total interest cost and time to payoff for each approach so you can see the real difference and choose what fits how you're wired. Some people need the psychological win of knocking out a small balance first even if it costs a little more in interest. We don't judge, we just show you the math on both.
On account connectivity: yes, you can connect bank accounts, credit cards, loans, investments, and more. The whole point is that Sense AI needs your real picture to give you real advice. A recommendation based on incomplete data is just a guess.
SuperMoney
Hi Product Hunt! So excited to be live. 🚀
Since I started out as a CFP I've wanted to make high-end financial planning accessible to everyone, not just the wealthy. Our team has been building toward this for 10 years, and I’ve loved helping bake real financial logic into Sense AI. I’ll be here all day to answer any questions you have. We’re looking forward to your honest feedback!