Investing apps move money in. Advizmo manages it end-to-end.

Every payday, Advizmo figures out exactly how much is safe to invest after bills and buffer. Moves it. Grows it. Optimizes it for taxes. Pulls it back when bills are coming. No decisions. No manual transfers.

1 Monitors your checking account

Tracks income, bills, and spending to calculate exactly how much is safe to invest. Not a rough guess.

2 Invests the right amount, automatically

Moves your surplus into a diversified portfolio automatically. Pulls back if a big bill is coming.

3 Tax optimizes your portfolio year-round

Tax loss harvests, sells tax-optimally, and rebalances on every purchase. The stuff advisors charge 1% for.

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YOUR MONEY IS PROTECTED

The rich have financial advisors. Now you do too.

Ask it anything about your money. It knows your portfolio, your tax situation, your cash flow, and your net worth. And unlike a human advisor, it's working for you automatically, around the clock.

Hear what our users have to say.

Real users are feeling confident about their finances, moving money out of 0% interest accounts into investments, and saving time.

I used to dread figuring out my finances every month. Now Advizmo does it for me and shows me better places for my money. I moved my extra cash out of checking where it was earning 0% interest and into better accounts.
A.R.
NY, NY
I used to leave too much money sitting in checking because I didn’t want to mess things up. Advizmo gave me the confidence to move money out of checking into high interest savings and other options. I am young, but I want to plan ahead for retirement.
L.R.
Austin, TX
I never really knew what to do with my money after payday. Advizmo helps me move it to better financial options, and now my money is working harder for me. It feels good to have my money working for me instead of the other way around.
D.R.
Gainesville, FL
Advizmo helped me automate making investments. I would never actually make investments because there were so many steps. Simple setup, clear insights, and real growth I can see.
A.C.
Boston, MA
I love how Advizmo invests automatically. It tells me what I need to invest, and then does it for me.
D.C.
San Diego, CA

I used to dread figuring out my finances every month. Now Advizmo does it for me and shows me better places for my money. I moved my extra cash out of checking where it was earning 0% interest and into better accounts.
A.R.
NY, NY
I used to leave too much money sitting in checking because I didn’t want to mess things up. Advizmo gave me the confidence to move money out of checking into high interest savings and other options. I am young, but I want to plan ahead for retirement.
L.R.
Austin, TX
I never really knew what to do with my money after payday. Advizmo helps me move it to better financial options, and now my money is working harder for me. It feels good to have my money working for me instead of the other way around.
D.R.
Gainesville, FL
Advizmo helped me automate making investments. I would never actually make investments because there were so many steps. Simple setup, clear insights, and real growth I can see.
A.C.
Boston, MA
I love how Advizmo invests automatically. It tells me what I need to invest, and then does it for me.
D.C.
San Diego, CA

Your checking account is the worst place to keep money you don't need in the next 30 days.

This money is not working for you. Every day those funds remain idle is a missed opportunity for growth.

Your checking account isn't designed to build wealth. But Advizmo changes that.

Before Advizmo

No automatic growth

-$200

Lost to inflation annually

Checking Account

$10,000 at 0% APY

After Advizmo

Your Money Working & Tax-optimized

$700

Earned annually

Auto-Invested

$10,000 auto-invested at 7% avg return

Hypothetical illustration only. Not a guarantee of future results. The 7% figure represents approximate historical average annual returns for the U.S. stock market over long periods. Actual returns will vary and may be higher or lower. Investing involves risk, including loss of principal. Returns shown before fees and taxes.

Your emergency savings are sitting idle. Here is a better option.

Advizmo moves your cash buffer into money market ETFs. One tap to pull back when you need it.

3.70% APY

30-Day SEC Yield (as of Jan 22, 2026)

Grow your cash with a high-yield money market ETF

✓ TTM (Trailing Twelve Months) Yield: 4.09%
✓ $70.7B AUM
✓ 0.09% Expense Ratio
✓ Monthly Distributions

*As of January 22, 2026. Yields are variable and subject to change. Past performance does not guarantee future results. Not FDIC insured. ETFs are subject to market risk.

Build Your Safety Net Before You Invest

Advizmo helps you achieve your savings goals, then guides you toward smart investing, in that order.

Your Financial Readiness Without Advizmo

❌ "Do I have enough saved?"

❌ "Should I save or invest?"

❌ Accidentally spending safety net

How Advizmo Helps You Build Financial Security

✅ Clear emergency target you set

✅ We tell you when you're ready to invest

✅ Smart alerts when fund drops below target

Ask your AI financial advisor anything. Anytime.

Get instant, personalized answers based on your actual accounts, spending, and goals. Not generic advice: your data, your insights.

Paycheck in. Portfolio growing. Automatically.

Open an account. We handle the rest.

Free Trial

Explorer

Try everything free for 30 days.

$0

for 30 days

Goals
AI Chat
Alerts
AI Insights

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Subscribe Directly

AI Finance Assistant

No investment account needed to get started.

$3/mo

$15/mo

Limited time · locked in forever

or $30/year · $99/yr

What's included

✓ Detects idle cash every payday and tells you exactly how much to invest

✓ Monitors upcoming bills so you never overdraft

✓ Alerts you before you miss a bill or run low

✓ Recommends where and when to move money

✓ AI chat that knows your full financial picture

Invest $1,000+ anytime and your $3/mo drops to $0.

Get started

$0

Maintain $1,000+ in your auto-invest account

0.25%/yr on assets under management

What's included

✓ Everything AI Finance Assistant does

✓ Automatically moves idle cash into your portfolio

✓ Pulls funds back before bills are due

✓ Expert-built portfolios in low-cost ETFs

✓ Daily tax-loss harvesting

✓ Tax-optimized selling and wash sale prevention

✓ Auto rebalancing with every purchase

✓ No minimums, no commissions

Get started

SEC-Registered Investment Adviser

SEC-Registered Investment Adviser

Same 0.25% AUM as Wealthfront and Betterment, but better.

They stop at portfolio management. Advizmo automates the entire journey from paycheck to portfolio, and gives you smarter tax-optimized selling when you need your money back.

Paycheck → Portfolio automated

Tax-optimized selling when you need funds

Bill monitoring &
shortage alerts

Same rate. More automation. Smarter tax optimization.

We keep your money and information safe

✓ Bank level security
✓ 256-bit encryption
✓ Multi-factor authentication
✓ Strict internal access controls - no individual at Advizmo has access to your credentials
✓ We do not share your information with unaffiliated 3rd parties

Get Started in 5 Minutes

1

Create your account and open a brokerage account in one flow. Then securely link your accounts.

Open Your Free Auto-Invest Account

Open Free Account

2

Set your savings target and checking cushion

Tell us your emergency fund goal and how much cushion to keep in checking. We auto-invest the rest.

Savings target

$2,000

Checking cushion

$500

3

Set your investment preference

Choose your risk level. You can update this any time. We rebalance automatically.

Adjustable any time

4

Watch It Work

Daily insights and smart alerts. We automatically harvest tax losses, avoid wash sales, and keep your checking on target.

Wealth building. Active results. Fully automated.

Frequently Asked Questions

Is Advizmo complex to use?

What are the costs?

How does automated rebalancing work?

What do you invest in?

How does Advizmo know how much is safe to invest?

How does Advizmo ensure that I don't overdraft?

Can I withdraw funds anytime?

What is tax optimization?

How do I deposit funds?

Is my money safe?

Will Advizmo send me tax documents?

How does tax-loss harvesting actually save me money?

Is Advizmo complex to use?

What are the costs?

How does automated rebalancing work?

What do you invest in?

How does Advizmo know how much is safe to invest?

How does Advizmo ensure that I don't overdraft?

Can I withdraw funds anytime?

What is tax optimization?

How do I deposit funds?

Is my money safe?

Will Advizmo send me tax documents?

How does tax-loss harvesting actually save me money?

Stop Losing Money in 0% Checking

Start capturing every opportunity for passive income while staying ahead of your bills.

Download on App Store

Get actionable financial tips and product updates delivered to your inbox.

From Paycheck To Portfolio. Automatic.

Your Automated Personal Finance Assistant

✓ Capture every opportunity for growth.

✓ Never miss a bill payment.

✓ Daily analysis of all accounts.

Tax-Optimized Auto-Investing

✓ Maximize returns with expert portfolios.

✓ Minimize taxes on every trade.

✓ No commissions or hidden fees

Open Free Auto-Invest Account

You automate everything else. Why not your money?

3.70% APY

30-Day SEC Yield (as of Jan 22, 2026)

Grow your cash with a high-yield money market ETF

✓ TTM (Trailing Twelve Months) Yield: 4.09%
✓ $70.7B AUM
✓ 0.09% Expense Ratio
✓ Monthly Distributions

*As of January 22, 2026. Yields are variable and subject to change. Past performance does not guarantee future results. Not FDIC insured. ETFs are subject to market risk.