Era
Connect your finances to any AI assistant. Automate money moves, invest smarter, and let AI manage your financial life. Get started free.
Editor's Verdict
Key Takeaways
- Context
- Memory
- Finance MCP
- Security
In-Depth Review: What is Era?
Era is an AI-native personal finance platform with three products: Context, a personal MCP server that links your accounts to Claude, ChatGPT, or any AI assistant, enabling actions like transfers and goal tracking; Agency, a proactive app that monitors your finances and automates rules like income detection and rebalancing; and Thesis, a research-grade investing tool for backtesting and model portfolios. Your data is secure with AES-256 encryption and audit trails. Start free today.
Core Features
Context
Connect your finances to any AI assistant for real-time transactions and automated money management.
Memory
Universal shared memory that follows every AI agent you use for consistent financial context.
Finance MCP
Open standard protocol behind Context's connectivity for seamless agent integration.
Security
AES-256 encryption, audit trails, and permissioned access to protect financial data.
Agency
Proactive AI companion app that monitors and manages your money automatically.
Automations
Rules that run in the background for income detection, transfers, and more.
Monitoring
Track net worth, cash flow, spending, and health metrics with change alerts.
Portfolios
Era-managed model portfolios with automatic execution and rebalancing.
Thesis
Quant-grade research, backtesting, and model portfolio tools for retail investors.
Research
AI-assisted market research and multi-asset backtesting for informed investing.
Pricing
Basic
- 1-2 day sync
- 250 agent MCP toolcalls per day
- Last 45 days of transaction history
- Net worth & spending
- Full undo & edit trail
- Basic data cleanup
- Rules library
- 2 connected accounts
- 2 additional custom categories
- 2 manual accounts
- Self-serve support
Organize
- Daily sync
- 200 memory facts
- Full transaction history (up to 2 years)
- 1,000 agent MCP toolcalls per day
- 15 spending pattern detection rules
- Edit access for AI
- Full metrics with AI analysis
- 15 connected accounts
- 10 additional custom categories
- 5 manual accounts
- Email support
Automate
- Sync every 8 hours
- Unlimited memory
- 10,000 agent MCP toolcalls per day
- 100 spending pattern detection rules
- Automated money movement (coming soon)
- Shared partner views (coming soon)
- Developer API (coming soon)
- 100 connected accounts
- 50 additional custom categories
- 50 manual accounts
- Priority support
Operate
- Sync every 2 hours
- Unlimited memory
- 25,000 agent MCP toolcalls per day
- Unlimited spending pattern detection rules
- Unlimited manual records
- Developer API (coming soon)
- 500 connected accounts
- 300 additional custom categories
- 500 manual accounts
- Founder support
Pros and Cons
Pros
- AI-Powered Financial ManagementLeverage AI agents like Claude or ChatGPT to manage finances, set automations, and get insights.
- Robust SecurityAES-256 encryption, audit trails, and permissioned access ensure data safety.
- Comprehensive AutomationAutomate transfers, income detection, and spending alerts with customizable rules.
- Unified Financial DashboardMonitor net worth, cash flow, spending, and portfolios in one place.
- Flexible Free TierBasic plan offers core features at no cost, with paid plans for advanced needs.
Cons
- Limited Free PlanBasic plan restricts to 2 connected accounts and limited features.
- Dependency on AI AgentsRequires comfort with AI assistants and may have a learning curve for non-tech users.
- Some Features Still in DevelopmentAutomated money movement, shared views, and developer API are marked as coming soon.
- Manual Data Entry RequiredFor unsupported accounts, manual transaction entry is needed.
- Potential for ComplexityAdvanced plans and features may be overwhelming for users seeking simple budgeting.
Use Cases & Recommended Professions
Individual→ View Toolkit
Manage personal finances, track spending, and set financial goals with AI assistance.
Small Business Owner→ View Toolkit
View business and personal accounts in one place, automate bookkeeping and transfers.
Financial Advisor→ View Toolkit
Access client shared transactions in your AI agent for better advisory services.
Wealth Manager→ View Toolkit
Research, backtest, and deploy model portfolios for client investments.
Family Office Manager→ View Toolkit
Oversee multiple entities and accounts with institution-grade monitoring and automation.
Developer→ View Toolkit
Integrate financial data into AI agents using the open MCP protocol for custom applications.
Frequently Asked Questions
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ℹ️ Curation Disclosure: The overview and features of Era were synthesized using AI and fact-checked by our curation team to ensure accuracy.
