MaliMoney
Talk to your money. Mali talks back.
About MaliMoney
MaliMoney is a voice-first personal finance AI. Its assistant, Mali, is something you actually talk to: tap the mic and ask "Can we afford a weekend trip next month?" or "Should I do a Roth conversion this year?", and it answers out loud in plain language using your real balances, income and spending. Most budgeting and retirement apps make you navigate dashboards and long setup forms before they tell you anything useful. Mali turns that around by letting you ask the question you actually have, whether you are driving, cooking or sitting down to plan.
What makes it more than a chatbot is the split between the math and the conversation. When you ask a money question, Mali calls one of dozens of deterministic, unit-tested financial calculators covering retirement, taxes, Roth conversions, Social Security, insurance, debt and estate planning, and the AI's job is to explain the result rather than invent numbers. Bank accounts link read-only through Plaid in about 30 seconds, receipts and PDF statements can be uploaded and parsed into line items, and households can plan together with shared context and joint goals. MaliMoney says it has no products to sell, takes no commissions and does not sell data, and it describes itself as an educational tool rather than a licensed financial advisor.
You can start without an account: try the interactive demo with sample accounts, or run any of the 30 free calculators in your browser, from "Am I on track to retire?" to Social Security claiming age and debt payoff comparisons. When you want answers about your own money, you start a Voice Pro trial and link up to two banks through Plaid with read-only access. Mali then syncs transactions automatically and builds a picture of your balances, income and spending without a long questionnaire.
From there you simply ask, by voice or by typing. Mali picks the right calculator for the question, runs it on your real numbers, and explains the result and what you could do next. You can snap a photo of a receipt to have every line item read, drop in a PDF statement to have it parsed into structured data, set goals that Mali tracks for feasibility and funding, and invite a partner to plan together. Premium raises the limits and uses deeper reasoning for multi-step questions such as Roth ladders and withdrawal sequencing.
- •Voice conversations about money - Ask questions out loud and get spoken, plain-language answers, or type if you prefer.
- •Tested financial calculators - Retirement Monte Carlo odds, federal and state tax estimates, Roth conversion ladders, Social Security timing, IRMAA checks, insurance needs, debt payoff and more, with deterministic math behind every number.
- •Read-only bank linking - Connect accounts through Plaid so answers use your actual balances, transactions and savings rate.
- •Receipt and statement parsing - Photograph receipts or upload PDF statements and Mali turns them into structured line items.
- •Built for couples - Shared household context, joint goals and partner-aware answers on paid plans.
- •Goals, alerts and tracking - Spending-spike alerts, subscription tracking, net-worth trends and a financial health score.
Mali suits people who want straight answers about their money without learning a complex planning tool. Pre-retirees and retirees weighing Social Security timing, required minimum distributions, Medicare IRMAA surcharges or Roth conversions get calculator-grade answers explained in conversation. Couples managing a household budget can plan together instead of one partner entering the other's numbers. Busy professionals who prefer to ask a quick question by voice will find it faster than opening a spreadsheet. Anyone curious can use the 30 free calculators with no signup, while those wanting answers on their real accounts can start with the $4.99 Voice Pro plan.
