Your idle cash, on autopilot
Try it free for 30 days
All investing involves risk, including possible loss of principal. Selling can realize taxable gains. Individual results vary.
One platform
Cash flow management and tax-smart investing.
Idle cash
We read your balances and bills daily and calculate what is sitting idle.
Primary checking ••0203
$3,200
Upcoming bills
$1,600
Cushion
$960
Idle cash
$640
Bills
Bills watched daily. If checking runs short, we sell tax-smart.
Direct deposit ••5646 marked as recurring
$641.79 · Repeats on the 11th of each month
Electric bill
$142.00 → $168.50
+$26.50
Invest
Accounts checked daily. Idle cash auto-invested into diversified funds.
Asset allocation
US stocks
58%
International
18%
Bonds
14%
Cash
10%
Taxes
Checked daily for investments held at a loss that can be sold to reduce taxable income and offset gains.
Tax-loss harvesting
Checked daily
Tax-smart selling
When checking runs short
Demo account. Figures for illustrative purposes only.
Tax-loss harvesting means selling investments at a loss to reduce taxable income and offset gains. Tax-smart selling is designed to reduce taxes when you sell. Not tax advice. Individual results vary.
Advizmo Investment Account
Four account types, one Advizmo Investment Account.
Advizmo Cash
Cash management
Advizmo Reserve
Emergency savings
Advizmo Auto-Invest
Diversified ETFs
Advizmo Direct Index
Large cap stocks
Advizmo Cash
Too much sitting idle. Or not enough for bills. We look for both.
Accessible cash, with no investment returns.
Money above your bills and cushion isn’t doing anything in checking. We check daily and recommend moving the extra into your investment account.
If upcoming bills would push you below your cushion, we flag it and recommend moving money back to checking before the bill is due.
Change your setting any time in the app.
Investment returns
None
Idle cash
Checking → Investing
Checking short
Investing → Checking
Money moved to an investment account is not FDIC insured and may lose value.
Advizmo Cash
$4,200
Advizmo · now
Moving $3,750 to investing in 24 hours
We found idle cash after your upcoming bills. If you do nothing, we’ll move it when the window ends.
Cancel move
IDLE CASH
Checking → Investing
CHECKING SHORT
Investing → Checking
All investing involves risk, including possible loss of principal. Demo account. Figures for illustrative purposes only. Hypothetical illustration. Not a guarantee of future results.
¹ Tax-loss harvesting means selling investments at a loss to reduce taxable income and offset gains. Tax-smart selling is designed to reduce taxes when you sell. Not tax advice. Individual results vary.
Review transfers
TO COVER BILLS
Edit
FROM
Savings ••8291
TO
Primary checking ••0203
$356.00
TO INVEST
Edit
FROM
Joint checking ••5349
TO
Advizmo Auto-Invest
$267.00
ADVIZMO MOVES THIS AMOUNT
$623.00
Swipe to transfer $623.00
You set the rules
Automatic investing runs on the preferences you set.
Fully automated
One-click approval
Manual
Advizmo invests only the cash it calculates is above your checking cushion and upcoming bills, based on data from your linked accounts.
That calculation depends on the accuracy of linked account data and may not capture every bill or payment. All investing involves risk, including possible loss of principal. Demo account. Figures for illustrative purposes only.
Who Advizmo is for
Your everyday money, organized. Not a trading app.
Your paycheck lands in checking. Rent, the car payment and the credit card bill go out. Savings sits at another bank, and your retirement account is somewhere else. Advizmo brings those accounts into one view and shows what is left after your bills and your cushion.
The accounts you already have
Checking
Savings at another bank
Credit card
Car loan
Retirement account
Advizmo runs the math daily
Checking balance
$4,850
After Friday’s paycheck
−
Upcoming bills
$2,150
Rent, car payment, credit card
−
Your cushion
$1,000
The amount you choose to keep
=
Idle cash
$1,700
Ready to invest, if you approve
Then it goes to work for the long run.
Idle cash is invested in diversified funds, month after month, toward retirement. No hours spent on spreadsheets or transfers.
Today
Retirement
What Advizmo is
One view of the accounts you already have
Your idle cash, calculated after bills and the cushion you set
Long-term investing in diversified funds
Your targets, your cushion, your approval
What Advizmo isn’t
A trading app
A crypto app
A bank
A replacement for your checking account. It works alongside it.
A letter from our founders
“Managing personal finances is harder than it should be. We know this because we live it.”
That frustration is what built Advizmo.
Murray & Sweety, Founders, Advizmo
Read the full letter →
Murray Jones
Co-founder and CEO
Ex-JP Morgan · Accenture · Columbia MBA
Sweety Bandgar
Co-founder and CTO
Ex-Expedia
SEC-registered investment adviser
Custody at Interactive Brokers, member FINRA/SIPC
Demo account. Figures for illustrative purposes only. All investing involves risk, including possible loss of principal. Advizmo is an SEC-registered investment adviser (File No. 801-133876).
Save time. Stress less. Invest automatically.
Try it free for 30 days
All investing involves risk, including possible loss of principal.