Launching today
SuperMoney
Your money stress, solved by AI.
502 followers
Your money stress, solved by AI.
502 followers
An AI personal finance app that goes beyond tracking. SuperMoney surfaces money-saving actions—optimize debt, spot better options, and stay on plan—so you always know what to do next.
SuperMoney
👋 Hey Product Hunt, I'm Miron, founder of SuperMoney.
Nearly 9 in 10 Americans started 2026 feeling financially stressed, according to the National Endowment for Financial Education.
My wife and I were part of that statistic coming out of college, buried in debt. I became obsessed with tools like Mint, but frustrated that you couldn't actually compare financial products side by side with any real transparency.
So in 2013 I started SuperMoney as a financial product reviews marketplace. I thought it was wild that no one had done it.
Fortune 500 companies apparently agreed, sending us cease and desist letters in the early days. We kept going anyway, and it took off.
By 2017 we were already sketching out what an AI financial advisor could look like internally. The problem we kept coming back to: traditional financial advisors operate on an assets under management model, so they're built for the top 1%.
Everyone else is dealing with real financial stress and getting no guidance at all.
The prototypes never quite got there. When LLMs arrived, we knew it was time to actually build it, and give people something most of them have never had: genuine financial calm.
That's what today is. Ten years in the making.
The SuperMoney App connects your accounts and actually does something with the data. Not just pretty charts. It:
Builds your budget, tracks your spending, sets goals, and suggests what to do next to achieve them.
Serves you a feed of insights based on what's actually happening in your finances.
Surfaces lower rates on your existing loans and smarter debt paydown paths. Real savings, not just insights.
When you have a question, you can ask it directly. The AI knows your accounts, your credit, your loans, and your goals, so the answers are actually relevant to you, not generic advice you could Google.
If you earn good money but still feel financially overwhelmed, this was built for you.
Try it free for 2 weeks. If you do, I'd love to know: what would you want us to build next? 🙏
Product Hunt
SuperMoney
@curiouskitty Love this question because it's the right one to ask.
The honest answer: the smallest change that makes SuperMoney stick is a single weekly check-in, not a new daily habit. If you're already organized, we're not trying to replace your system. We're trying to be the layer on top that tells you when something in your financial life deserves attention and what to do about it.
A realistic first 7 days:
Day 1 (15 min): Connect your accounts, let the AI build your first budget, and make it yours in under 15 minutes.
Days 2-4: Nothing required. Let the AI work. You might get a nudge about a goal or a fresh insight, but no pressure to act.
Day 5-7: One decision. Not ten. Just respond to the single highest-value recommendation SuperMoney surfaced. That's the habit we're trying to build: see insight, evaluate it, act or dismiss it consciously.
What "sticky" looks like after week one: You stopped second-guessing whether you have the best rate on something because you know SuperMoney will tell you if you don't. That's financial calm in practice.
If your spreadsheet is still open, that's fine. We just want to be the thing that tells you when the spreadsheet needs updating.
@curiouskitty Adding to what @miron_lulic said — the stickiness also comes from the fact that your bank app shows you what happened — Sense AI tells you what to do about it.
SuperMoney
@curiouskitty Great points from the team. From my background in planning, the smallest change that sticks is moving from defense (tracking old spend) to offense (acting on real-time insights).
Success in week one is realizing you’ve spent practically zero minutes on data entry and 100% of your time on clarity. This opens up the mental capacity to actually strategize. Instead of being a data entry clerk for your own life, you finally have the space to be the architect of your financial future.
SuperMoney
@curiouskitty We also remove the guess work around the next steps by resurfacing all applicable action items via the insights tab of the app that summarizes your financial health and provides recommendation around solutions that can help you build your credit, reduce debt, and strengthen your overall financial picture
minimalist phone: creating folders
This could be translated into many languages to make more people across the globe financially aware. 🫠
@busmark_w_nika 100% agree — that's the long-term vision! We're starting with the US first to get the experience right, but expanding globally is definitely on the roadmap. Thanks for the support!
SuperMoney
@busmark_w_nika We absolutely want to make the product available in more countries.
SuperMoney
@busmark_w_nika Absolutely! We're working on that. In fact, SenseAI is already pretty good at answering financial questions in other languages.
SuperMoney
@busmark_w_nika That’s the dream! 🫠 From my side of the desk, I see people searching for these exact financial answers in dozens of languages every day.
We’ve built the engine to be flexible, but we’re starting here in the US to nail the local financial nuances first. Translating the 'Action Plan' for global markets is a major part of where we want to take SuperMoney next.
Which region or language would you love to see us tackle first?
SuperMoney
@busmark_w_nika This is definitely on our roadmap. We also plan to localize the marketplace section of our app that would provide region specific recommendation for your financial needs
SuperMoney
@busmark_w_nika @akash_talwar Akash is actually taking the lead in our internationalization project. So expect big news from him soon Nika.
How do you protect user data and what is your USP?
SuperMoney
@viktorgems Great question!
On data protection, SuperMoney is built with security at every layer:
Your AI never sees your identity. Our AI analyzes your finances without accessing personally identifiable information.
Bank-grade encryption. Your data is protected at rest and in transit with 256-bit encryption.
Independently audited. SOC 2 Type II certified for the last 3 years, a rigorous ongoing audit that very few companies achieve.
No sharing without your consent. Your data is never passed to third parties unless you explicitly allow it (e.g. to receive a loan rate quote from an integrated lender like Citi Bank).
Full control, always. Disconnect accounts or delete your data anytime, no questions, no friction.
On what makes us different: Most financial tools either show you generic product lists or just track your spending. SuperMoney combines 10+ years of real financial product data with an AI advisor that actually tells you what to do and why, based on your specific profile.
Not just pretty charts. It:
Builds your budget, tracks your spending, sets goals, and suggests what to do next to achieve them.
Serves you a feed of insights based on what's actually happening in your finances.
Surfaces lower rates on your existing loans and smarter debt paydown paths. Real savings, not just insights.
When you have a question, you can ask it directly. The AI knows your accounts, your credit, your loans, and your goals, so the answers are actually relevant to you, not generic advice you could Google.
Think of it as the difference between a comparison spreadsheet and a knowledgeable friend who knows your situation and gives you a straight answer.
We call it financial calm: less anxiety, less guesswork, better outcomes.
SuperMoney
@viktorgems To add to the data security point. We intentionally built the AI so it never sees who you are. It analyzes your financial patterns but has no access to your SSN, or account numbers. That was a non-negotiable for us from day one.
On what makes us different — Most apps do one thing: track your spending, or check your credit, or show you product offers. We combine all three — full visibility into your accounts and credit history, an AI that actually thinks through your situation the way a financial coach would, and a marketplace where you can act on those recommendations immediately. That trifecta is what turns "here's what's happening" into "here's how to do it right now."
SuperMoney
@viktorgems Security was non-negotiable from day one for our engineering team too. Building the AI to analyze patterns without ever touching PII was one of the most interesting challenges we solved.
SuperMoney
@george_esther Thanks, Esther! Our focus with this app is to help our users find additional savings and pay off debt faster so they can live their lives with greater financial freedom and less stress. We'd love for you to give it a try — your feedback would mean a lot as we continue to improve the experience.
SuperMoney
@george_esther Thank you so much for the support! 🧡 We really built this for exactly that feeling, when it feels like you're just trying to keep your head above water.
Tracking is a great first step, but we hope the 'Action Plan' helps you find some breathing room you didn't know you had. We're rooting for you!
SuperMoney
@george_esther Appreciate the support!
SuperMoney
@george_esther Yes, that's a feature I really like. Thanks for the support!
How does product aggregation work on the platform? Do you partner with all financial institutions and lenders? Essentially, how can we, as users, be sure we're getting an unbiased view into the best possible options for our personal situation?
SuperMoney
@jason_van_rensburg Great question. We've built a data orchestration layer with coverage across all major financial institutions and lenders, which allows us to easily fetch transaction and credit details. On top of that, our Sense AI technology analyzes your financial data to provide personalized, unbiased recommendations tailored to your specific situation. Our focus is to give our users complete visibility into their financial health and recommend actions that can help them achieve their personal objectives
SuperMoney
@jason_van_rensburg Great question, and transparency here matters so we'll be direct.
SuperMoney has been building financial service relationships since 2013. We have direct API integrations with hundreds of providers including Citibank, SoFi, LendingClub, and many others, which means real-time rate quotes pulled directly from the source, not estimates.
How the product coverage works:
For rate quote experiences (personal loans / debt consolidation, auto refi, student loan refi, etc.), we show live quotes from our integrated partners. Think of it like a flight search engine: we can only show fares from airlines in our network, but our network is extensive and growing.
The broader marketplace covers thousands of financial products from both partners and non-partners, similar to how Yelp lists every restaurant, not just the ones that advertise.
On the unbiased question specifically:
Our entire product database is accessible by the AI via MCP, so when the AI makes a recommendation, it's working from the full picture, not a curated subset. And critically, the AI is explicitly prompted to recommend what's best for you, not what's most profitable for us.
We don't publish arbitrary editorial ratings. Qualitative scores are based entirely on community NPS, real ratings from real users. Quantitative comparisons are based on actual product terms: rates, fees, terms, approval likelihood. The goal is to give you the financial transparency to make your own call, not to nudge you toward a particular product.
While the marketplace component is a feature of a broader experience, we may be compensated by partners when you choose their product, similar to how flight search engines work. But our ranking logic is built around your profile and product fit.
SuperMoney
@jason_van_rensburg One thing worth adding: the unbiased piece is structural, not just intentional. Because the AI pulls from the full product database — not a pre-filtered list — it can't be "nudged" toward partners the way traditional comparison sites can. The ranking reflects your profile and product fit first. Compensation may follow a match, but it doesn't determine one.
Agnes AI
How could I migrate all my financial status and data to SuperMoney? It could be quite tedious sometimes...
@cruise_chen SuperMoney uses bank linking technology to import your data directly from the financial institutions you use. Once you authorize access it's seamless and our AI is able to comb through the data to provide personalized insights and recommendations.
SuperMoney
@cruise_chen Great question! The good news is there's no tedious manual data entry needed. When you connect your financial accounts through the app, SuperMoney securely pulls in your balances, transactions, and account details automatically. You can link bank accounts, credit cards, loans, and investments all in one place.
Once connected, Sense AI starts analyzing your full financial picture and gives you personalized insights right away. Most users are fully set up in just a few minutes.
If you run into any issues connecting an account, just let us know and we'll help you get sorted! www.supermoney.com