Now accepting beta signups

Take control of your
finances. Finally.

Cosy AI is your personal financial coach — powered by AI, built around your habits, goals and psychology.

Join Waitlist

3 months included (€24 value) · Priority beta access · Limited spots

1,500
Early access spots available
100%
Refund if we don't launch
24/7
AI coaching, always on

What Cosy AI does

Built to work the way you think

🧠

AI that knows you

Personalized coaching based on your unique financial psychology, spending triggers, and long-term goals — not generic advice.

📊

Full financial picture

Track income, expenses, savings and investments in one clean dashboard. No more scattered spreadsheets or blind spots.

💬

Your coach, 24/7

Ask anything and get honest, personalized financial advice anytime. Like having a CFP in your pocket — minus the hourly rate.

A glimpse of what's waiting for you

Safe to Spend
€900
of €3,200 income
Monthly Spend
€1,600
▲ 8% vs last month
Health Score
74/100
↑ +3 this week
Spending — Last 30 days €1,600
Income
€3,200
This month
Bills
€1,300
42% of income
Subscriptions
€90
6 active
Savings
€480
15% rate
Investments
€1,200
+8.2% YTD
Variable Budget
€670
of €800
🛒 Tesco Express Today −€34
💼 Salary — Acme Ltd 1 May +€2,400
Pret A Manger 30 Apr −€6.50
🎬 Netflix 29 Apr −€16
🚌 TfL Contactless 29 Apr −€5
💸 Savings Transfer 28 Apr +€200
Cosy

Your spending is on track this week.
You have €900 safe to spend until month-end.

Where am I overspending? How do I improve my score? Show my savings plan
⚡ Urgent
💳
Reduce dining spend
You're at 97% of your eating-out budget with 24 days left. Cutting 3 meals out saves ~€60.
Accept challenge
🎯
Build €500 emergency buffer
€180 saved so far · 3 months to goal
Medium
📊
Review subscriptions
3 recurring charges detected
Info
🚀
Boost savings rate to 15%
Currently at 8.3% — €160/mo gap
Medium

This is a simplified preview. The final product may look and feel slightly different.

How it works

Three steps to financial clarity

1

Complete your financial profile

A short, thoughtful questionnaire about your income, goals, habits and psychology. Takes 3 minutes.

Cosy analyzes your habits and goals

Our AI builds a complete picture of your financial life — identifying patterns, risks and opportunities specific to you.

2
3

Get daily insights and action plans

Personalized recommendations you can act on today — not someday. Small changes, compounding results.

Alpha testers

People are already changing
their relationship with money

"
I've tried every budgeting app out there. Cosy is the first one that actually felt like it understood how I think about money — not just my numbers.
S
Sarah M.
28 — Freelancer, Paris
"
The AI coaching is incredible. I asked it why I keep overspending on food and it gave me a genuinely useful answer about my habits. No other app does that.
J
James T.
34 — Software Engineer, London
"
Finally started saving consistently. Three months in and I've set aside more than in the past two years combined. The action plans are simple enough to actually follow.
A
Amina K.
31 — Marketing Lead, Amsterdam

Your questions answered

Both get you on the list. Free members get access at launch. Paid members (€15) get in first, receive 3 months of Cosy AI included (worth €24), lock in 20% off every month, forever, and keep their discounted rate — even as prices go up.

Joining the waitlist is free — no payment required. But if you want to get in early and lock in a lifetime discount, we offer paid early access starting at €5. The fee filters for people who are serious about changing their relationship with money, and in return you get 3 months of Cosy AI included, priority beta access, and your discounted rate locked forever.

Yes. All payments are processed by Stripe, one of the world's most trusted payment providers. We never store your card details.

You get every cent back, automatically, no questions asked. We only keep your payment once you have access to a live product. That's our promise.

Yes, but the €15 early access offer and the discounted rates won't be available after the beta closes. Once it's gone, it's gone.

Regular pricing starts at €7.99/month. As an early access member you get 20% off every month — and your discounted rate is yours to keep, forever.

Paid waitlist members are first in line when we open the beta — we're targeting 30–90 days from now. You'll get an email the moment your spot is ready.

A personal finance coach powered by AI that learns your habits, goals and psychology to give you personalized advice — not generic tips.

Cosy AI works with your financial data — income, spending habits, and goals. You can enter numbers manually or securely link your bank account. Your data is encrypted, never sold, and only used to power your personal coaching experience.

Cosy AI is available on web, including mobile web — so it works on any device from day one. A native iOS and Android app is in development. Once you're in the web app, you'll be able to join the mobile waitlist directly.

Ready to change your
relationship with money?

Join the waitlist today. Be first when we launch.

Join Waitlist
Refunded if we don't launch. No automatic subscription.