Investing apps move money in. Advizmo manages all your finances.

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 cash back to checking if you're running short.

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

Many people 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.

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.

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

A.R.

NY, NY

L.R.

Austin, TX

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

SMART EXCESS FUNDS DETECTION

Fixed transfers miss the point. Advizmo calculates exactly what you can invest.

Most apps ask you to pick an amount to transfer every month. But your investable cash changes every paycheck. Advizmo connects to your checking account, looks at your upcoming bills, and calculates the exact amount you can safely invest, every time, automatically.

Fixed Transfer Apps

You pick a fixed dollar amount, often wrong

Doesn't know your upcoming bills

Invests too little: misses growth opportunities

Or invests too much: risks overdraft

Same amount every month regardless of your finances

Advizmo

Calculates your exact investable cash automatically

Scans bills due in the next 14–30 days

Captures every dollar you can safely invest

Maintains your safety buffer automatically

Recalculates every time based on your real balance

✓ Connects to your checking account via Plaid — reads your real balance and transaction history
✓ Scans upcoming bills for the next 14–30 days — never invests money you'll need soon
✓ Maintains a safety buffer — protects against overdraft before investing a single dollar
✓ One tap to invest — or fully automatic based on your preferences

TAX OPTIMIZATION

Many investors are paying 1-2% more in taxes than they need to. Advizmo fixes that automatically.

The wealthiest investors have always used tax optimization. Advizmo brings it to everyone, automatically.

$299,000

more over 20 years on a $200,000 investment

based on 1-2% annual tax optimization · per Vanguard Research (2023)*

+$150

Tax-loss harvesting

Automatically sell losing positions to offset gains

Unique to Advizmo

Tax-loss harvesting

Automatically sell losing positions to offset gains

26

More harvesting opportunities

The more frequently you invest, the more opportunities Advizmo finds

BILL MONITORING · SMART ALERTS

Never miss a bill. Never miss an investing opportunity. Advizmo watches both.

Advizmo monitors your checking balance and upcoming bills 24/7. Idle cash gets invested automatically. Shortfalls get flagged instantly.

Automatic pull-back

If your checking is short before a bill hits, Advizmo automatically moves money back from your investment account to cover it. You never have to think about it.

Daily monitoring

Checks your balance against upcoming bills every single day

Smart alerts

Notified the moment your checking runs short, before it is a problem

Automatic protection

Funds pulled back from investments automatically before bills are due

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.

PRICING

Paycheck in. Portfolio growing. Automatically.

Start free. Then $3/mo. Or free forever with Auto-Invest.

Free Trial

30

days free trial

Full access, all features.

✓ Automatically moves idle cash into your portfolio

✓ Pulls funds back before bills are due

✓ Alerts you before you overdraft or miss a bill

✓ Expert-built portfolios in low-cost ETFs

✓ Harvests tax losses and rebalances year-round

✓ Tax-optimized selling and wash sale prevention

✓ Auto rebalancing with every purchase

✓ No minimums, no commissions

AI Money Manager + Auto-Invest

Paycheck to portfolio. Fully automated.

FREE WITH AUTO-INVEST

$0/mo

Maintain $1,000+ in your Auto-Invest account and your subscription is on us.

0.25% annual advisory fee on invested assets

SUBSCRIBE DIRECTLY

Limited Time

$3/mo

$15/mo regular price

or $30/year · $99/yr

Cancel anytime. Lock in this price forever. Your rate never increases.

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.

AI Money Manager

Full automation and advice. Manages your cash flow, investing, and taxes in one place.

Invests idle cash every payday

Identifies exactly how much is safe to invest after bills and automatically moves it. No manual deposits.

Pulls funds back when you're short

Monitors upcoming bills and automatically moves money back to checking before you run low.

Tax-optimized selling

When you need funds back, Advizmo sells in the most tax-efficient order, not just the easiest.

Bill monitoring and shortage alerts

Tracks every bill and flags you before you miss one or overdraft. Your robo-advisor doesn't do this.

AI advisor with your full picture

Ask anything, anytime. Advizmo's AI knows your accounts, bills, portfolio, and tax situation all at once.

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

For more information, view our security policy.

Get Started in 5 Minutes

1

Create your account and open a brokerage account with Interactive Brokers 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.

Expert-built portfolios

Low-cost ETFs matched to your risk level. Rotated automatically to keep your taxes optimized.

Conservative

30/70 stocks / bonds

Example ETFs:

VTI

BND

VOO

GOVT

VXF

VCIT

Rotates across 3 ETF pairs. Examples subject to change.

Moderate

70/30 stocks / bonds

Example ETFs:

VTI

BND

VOO

GOVT

VXF

VCIT

Rotates across 3 ETF pairs. Examples subject to change.

Aggressive

100% stocks

Example ETFs:

VOO

IJR

QQQM

VOT

VTV

VBR

Rotates across 3 ETF pairs. Examples subject to change.

No wash sales between variants. Each pair uses ETFs from separate groups, keeping you invested through every harvest.

Only Advizmo does this

3-portfolio rotation for wash sale prevention

When we harvest a tax loss, we immediately rotate to an equivalent variant, keeping you invested while the 30-day wash sale window clears. Many advisors sit in cash.

Tax-first selling

We prioritize your tax savings, not just diversification

When selling, other robo-advisors optimize for portfolio balance. We optimize for your tax outcome first, selling highest-cost lots to minimize what you owe.

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?

How does the checking cushion work?

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?

How does the savings target work?

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?

How does the checking cushion work?

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?

How does the savings target work?

Stop Losing Money in 0% Checking

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

Download on App Store

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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.