High-income households lose $2,000–$8,000 per year to idle cash, low-yield accounts, and suboptimal debt routing. Fincept finds it, quantifies it, and fixes it — with your approval on every move.
Free estimate · No account linking · 60 seconds
Leakage estimator
Adjust the sliders to match your situation. Your full report analyzes every connected account across your household.
Your household numbers
How Fincept works
Connect via Plaid — read-only access to your banks, cards, and loans. Fincept never stores your credentials or touches your passwords.
Your Leakage Report quantifies every dollar lost to idle cash, yield gaps, and debt inefficiency. Real numbers. Your accounts. No guesswork.
Fincept recommends the highest-confidence action with clear math. You review, modify, and approve before any dollar moves. Always.
V1 scope — three actions only
No feature bloat. No scope creep. Three actions, executed with precision, producing measurable financial outcomes.
Excess checking balances routed to higher-yield accounts. Your cash floor is always respected. Every transfer requires your explicit approval.
Surplus cash directed toward highest-cost debt first. Clear math on interest saved per action. You set the amount limits.
Smart reversal when upcoming bills or obligations require liquidity. Fincept never puts you in a cash crunch — safety is structural, not optional.
Trust architecture
Trust isn't a brand promise. It's an engineering decision. Every layer of Fincept is designed so trust increases with use.
Fincept never holds your money. Every dollar moves between your own accounts via standard ACH rails.
Every action requires your review and cryptographic approval before execution. No surprises. No auto-pilot.
Every recommendation, approval, and transfer is logged immutably. Complete visibility into every decision, always.
Pause all Fincept activity instantly — one click, zero delay. Resume when you're confident. Your money, your control.
Who this is for
Fincept is built for households earning $150K–$500K with 8–12 financial accounts and no system connecting them. Senior engineers, product leaders, physicians, consultants, and attorneys who value their time and want outcomes without micromanaging every dollar.
If you've ever had $40K in checking while paying 22% on a credit card — and known it was wrong but not had the time to fix it — Fincept exists for exactly this moment.