Features
See what you actually have and actually spend — then budget, bill, reward, and retire from reality.
Invite-only honest money measurement for individuals. One place for your whole balance sheet and a cleaned run-rate — with household visibility, budgets and bills, rewards insight, retirement projections, and Ask Trixie on top.
Trixie starts with measurement honesty: what you have across accounts, and what you typically spend once transfers, card payments, and clear one-offs are handled correctly. Everything else — budgets, bills, rewards, retirement, chat — runs on that foundation.
Request an invite when you’re ready. Claiming an emailed invite creates access; requesting one does not create an account.
Foundation
Measurement & cash flow
Linked accounts keep balances, transactions, and holdings current so cash flow and net worth stay grounded in what’s in the world — not a spreadsheet you forgot to update.
- Connect banks and cards through Plaid (read-only) so Trixie can see balances and transactions.
- Category spend and cash-flow views build from that synced history.
- Daily refresh keeps the picture moving with your institutions.
- Credentials never touch Trixie servers; revoke anytime in-app or at my.plaid.com.
Honest spend
Exclusion engine & honest run-rate
Your run-rate is what you typically spend after the noise is cleaned out. The exclusion engine decides what counts as lifestyle spend versus balance-sheet movement — so averages reflect real outflows.
- Matched transfer pairs and card-payment detection keep self-moves from inflating spend.
- One-off handling lets exceptional purchases stay in actuals while dropping out of run-rate averages and budget suggestions.
- Suggested one-offs are for your review — you decide what to flag.
- Excluded items stay visible (muted from totals); nothing is hidden from you.
What you have
Whole balance sheet & daily net worth
“What I have” should be one picture — banks and cards, investments, home equity estimates, and the assets you enter by hand — updated daily.
- Rolls connected accounts and holdings into a single daily net-worth view.
- Home equity estimates (where available) and manual assets sit beside liquid accounts.
- The same balance sheet feeds planning views downstream.
- Read-only measurement — Trixie does not trade, rebalance, or move investments for you.
Together, clearly
Household visibility
Invite a partner without sharing a login. Per account, choose everything, balances only, or nothing — so household money can be visible without giving up control.
- Each person keeps their own login and session.
- Visibility is set account by account.
- Shared views sit on the same measurement layer — one honest picture when you want it.
- Household invite is separate from the product waitlist invite.
From your history
Budgets & bills
Budgets start from cleaned averages — roughly six months of history — and you create and adjust what you keep. Recurring charges surface with predicted due dates; email reminders are optional when you want them.
- Category budget suggestions grounded in your honest run-rate, not a generic template.
- You own creation and edits; Trixie does not auto-create or auto-manage budgets.
- Recurring bills appear with timing context from your history.
- Optional email reminders — notifications you enable, not payments executed by Trixie.
Invite-only. Requesting an invite does not create an account.
Insight
Card rewards gaps
See where your real category spend isn’t on the best card for you — a what-if view against a rewards catalog, so gaps are visible before you change anything yourself.
- Compares your category spend to a rewards catalog.
- Surfaces where spend could earn more on a different card you already have (or are considering).
- Point valuations are benchmarks you can edit — insight, not a points guarantee.
- No applying for credit inside the app; no moving spend for you.
Plan from reality
Retirement Monte Carlo
Projections seeded from your real portfolio, savings behavior, and honest spend picture — ranges to explore, not a promise of certainty.
- Monte Carlo runs use inputs tied to your connected and entered data.
- Honest run-rate and savings behavior inform the spend side of the story.
- Results are ranges for exploration — not financial advice and not a guarantee.
- Trixie does not auto-rebalance or move investments.
A feature, not the product
Ask Trixie
Tool-using chat over your data — net worth, run-rate, budgets, bills, accounts, and more — from a floating overlay or /chat. Useful for exploring the same measurement you already see.
- Ask concrete questions grounded in your balance sheet and cleaned spend.
- Same foundation as the dashboards: honest measurement first.
- Read-only — cannot change data, move money, pay bills, or auto-create budgets.
- Available when the AI gateway is configured; hidden when it isn’t.
How you get in
Access & trust
Trixie is invite-only. Connections are read-only. Core signed-in money flows run on web and iPhone.
- Invite-only waitlist — request at /waitlist; claim an emailed invite to create access. Requesting does not create an account.
- Plaid read-only — balances and transactions for measurement; Trixie cannot move money, make payments, or trade. Revoke anytime.
- No ads, no data sale — no advertising trackers for ads; product analytics power the product, not ad targeting.
- Web + iPhone — same core signed-in money flows on both.
Ready when you are
See what you actually have and actually spend — then budget, bill, reward, and retire from reality.
Request an inviteInvite-only. Requesting an invite does not create an account.