Theo Financial Assistant

We built Theo because managing money shouldn’t feel this hard — yet for most people, it does. We kept seeing the same pattern: people want to be financially organized, but traditional finance tools feel complicated and disconnected from how we actually live. Most Gen Z don’t actively track their finances, and when they do, it’s often with spreadsheets or their notes app. The result? No real sense of control Theo started with a simple question: what if financial control fit naturally into your daily life instead of forcing you to learn a new system? That’s why we built Theo directly on WhatsApp — using natural language, no spreadsheets, no new apps. Just send a message, and your finances are organized automatically. Throughout this launch, our approach has been guided by one principle: simplicity creates consistency. If people feel comfortable, understood, and in control, they actually stick with it. Curious to hear from you: what’s been the hardest part about managing your money so far?