BooCoo - Money Trends & Vibes

Most apps ask where your money went. BooCoo asks if you're okay. Connect your first account free.

Open the app. Check your Financial Vitals score. See if you're climbing, holding steady, or slipping. No budgets to build. No categories to maintain. No homework.

FINANCIAL VITALS One score (0–100) that answers "am I okay?" It synthesizes your runway, spending trend, and consistency. Automatically, every session. The color tells you where you stand. The score tells you by how much.

Compares you to your own history. Not to a budget. Not to an external benchmark. You can't fail your own history. You can only see which direction you're moving.

WHAT MONEY IS FOR Money goes to two places. It becomes wealth, the arc BooCoo tracks. Or it becomes your life, value received, right now. The budgeting industry counts the second one as a loss. BooCoo does not. Money that piles up and is never spent has no effect on any life. That is what went wrong, not the spending. Every dollar that became your life: BooCoo tracks that too.

RUNWAY & CASH FLOW How long would your assets last if income stopped? BooCoo calculates your financial runway from your actual numbers using thousands of randomized scenarios against your real data. Watch your monthly cash flow trend over time. See it getting better or worse, not just where it stands today.

SPENDING TRENDS Automatic transaction categorization with rolling-window trends: 3-month rhythm vs 12-month baseline, never month-vs-month. See which categories are climbing and which ones barely moved. No verdict. Just direction.

NET WORTH Assets, debts, and net worth in one place, with daily history charts so you can see the actual direction, not just today's number. Investment accounts, credit cards, mortgages, student loans, and manual entries all contribute to the same unified picture.

CONNECT EVERYTHING 12,000+ banks and financial institutions via Plaid. Apple Card, Apple Cash, and Apple Savings connect for free through Apple FinanceKit. Manual accounts and CSV or OFX imports are always free, no bank connection required, no subscription needed to start.

AI INSIGHTS (POWERED BY CLAUDE) Ask BooCoo about your spending, or let the app surface patterns automatically. Only aggregated summaries are shared with Anthropic's Claude: category totals, balances by account type, net worth, income and expense totals, your Vitals scores, cash flow trends, and runway. Never individual transactions, merchant names, account numbers, or institution names. Anthropic does not train on your data and deletes API inputs within 30 days.

TRANSACTIONS Every transaction, automatically imported and categorized. Edit, recategorize, or hide what doesn't fit. Set rules to handle recurring transactions automatically. Flag recurring subscriptions and bill payments so they're easy to find.

PRIVACY Your financial data lives in your personal iCloud, not our servers. No ads. No product recommendations. No affiliate deals. We make money from subscriptions, not from analyzing your spending and pitching you financial products.

The subscription unlocks automatic bank sync via Plaid. All analytics (Financial Vitals scoring, spending trends, net worth tracking, cash flow analysis) are available at every tier, including free.

BUILT ON APPLE SwiftUI, SwiftData, CloudKit, FinanceKit. Your data syncs across iPhone, iPad, and Mac through your personal iCloud account. No third-party account, no extra login.

PRICING The app is free. Manual entry, CSV and OFX import, and Apple FinanceKit connections are always free. Automatic bank sync via Plaid starts at $4.99/month or $39.99/year. The Standard plan includes a 14-day free trial.

Terms of Use: https://boocoo.app/terms Privacy Policy: https://boocoo.app/privacy

BooCoo takes your financial health seriously so you don't have to.