AI financial advice that does the math on your situation
Candor gives AI financial guidance for adults 18+ that works with your actual numbers: how long your savings last if you quit, which debt to pay first, whether a rent is too high for your income, what to say to get a raise. Where mainstream assistants say 'consult a professional', it does the math and gives an opinion. It's not a licensed financial advisor, it can be wrong, and it doesn't see your accounts, so check big decisions. New accounts get 200 free credits once, with no card.
Ask a mainstream assistant whether you can afford to quit your job and you get the same paragraph every time: everyone’s situation is different, please speak to a licensed financial advisor. That’s true and it’s useless at 11 p.m. when you just want someone to do the math.
What a straight money answer sounds like
From Candor’s homepage:
I’m 32, I have $60k saved and I hate my job. Can I just quit?
A typical assistant: I’m not able to provide personalized financial advice. Everyone’s situation is different…
Candor: Yes, if you can live on $3,000 a month, health insurance included. That’s 20 months of runway, far longer than most job searches. Just don’t quit on a bad Monday. Get two interviews first, so you leave because you chose to and not because you snapped.
It does the arithmetic, names the condition that matters and gives an opinion. You can disagree with it, but you know where you stand.
What people ask
- Runway. “I have $14k and spend $2,600 a month. How long, and what do I cut first?”
- Debt. “Three cards at 29%, 24% and 18%, plus a car loan at 7%. Order to pay them?”
- Salary. “My boss offered 3%. I want 15%. What exactly do I say?”
- Rent and big purchases. “I make $78k. Is $2,400 rent stupid in my city?”
- Plain-English explanations. What an index fund is, how a Roth works, what a fee of 1% costs over 30 years.
- Gut checks. “Is this ‘guaranteed 12% a month’ crypto thing a scam?” (Yes.)
How to get better answers
- Give real numbers. Income after tax, fixed costs, debts with rates, savings.
- Say your goal. “Quit by June”, “debt-free in two years”, “buy in five”.
- Ask for the math. “Show the calculation” makes errors easy to spot.
- Ask for the counter-argument. “Now argue against what you just told me.”
The honest limits
- Not a licensed advisor. It doesn’t owe you a fiduciary duty and can’t file anything for you.
- It can be wrong. Check the arithmetic on anything that moves real money, and verify tax rules for your state and year.
- It doesn’t predict markets. FINRA and other regulators warn about schemes that use AI to promise outsized or guaranteed returns. No honest tool, human or AI, can.
- It only knows what you tell it. It doesn’t see your accounts.
Privacy for money questions
Your chats are tied to your account. Unless you switch off Help improve the app, a copy is kept for up to 30 days and reviewed to improve the app; switch it off and that copy is erased. Don’t paste account numbers or passwords into any chatbot. More on the private AI chat page.
Open Candor and paste your numbers. New accounts get 200 free credits once, with no card.
FAQ
Is it safe to take financial advice from AI?
Use it to run numbers, compare options and spot what you missed, then verify anything big. AI can be confidently wrong, and it only knows what you tell it. Regulators also warn about scams that use AI hype to promise guaranteed returns.
Can Candor tell me what stocks to buy?
It will explain how options compare, what fees cost over time and what a strategy's risks are. It doesn't know tomorrow's prices, and anyone who claims an AI can guarantee returns is selling something.
Is Candor a licensed financial advisor?
No. It's an AI that answers money questions frankly. For tax filings, legal structures or managing large sums, a licensed professional is worth paying.
Does it connect to my bank account?
No. You type or paste the numbers you want it to use. Nothing is pulled from your accounts.
Is it free?
New accounts get 200 free credits once, with no card. Monthly is $19.99 for 8,500 credits.
Ask the question you actually have.
Free plan: chat and 1 image, no card. Chat, images and video in your browser.
Try Candor free See how it works: money