Understand the Psychology Behind Your Spending
Most finance apps tell you where your money goes. We help you understand why you spend the way you do—and how to change it.
Join the JourneyWhy Existing Apps Don't Work
Traditional finance tools focus on the what and where, but ignore the most important question: why?
You already know you spent $400 on groceries or $150 on dining out. Mint, YNAB, and Personal Capital have perfected tracking. But tracking alone doesn't change behavior.
No psychological insight:
They show you numbers but don't help you understand your emotional triggers, spending patterns, or the "why" behind your decisions.
Budget plans that fail:
Static budgets don't account for your psychological reality. You break them repeatedly because they ignore your behavioral patterns.
No real-time guidance:
By the time you review your spending summary, it's too late. The damage is done, and the moment to intervene has passed.
Disconnected from advisors:
Financial advisors focus on investments and taxes during quarterly meetings, but they never see your daily spending psychology.
The truth? Financial behavior is emotional, not rational. And no app addresses that reality.
Our Vision
A personal finance platform that helps you understand and change your financial behavior to help you align with your true money goals.
Motif Money will be your financial psychologist—an AI-powered coach that understands your spending personality, identifies your triggers, and helps you build better habits in real time. We're bridging the gap between behavioral science and personal finance.
Understand Your Psychology
Discover your financial personality through behavioral assessments. Learn what drives your decisions and what makes you vulnerable.
AI Coach That Learns You
Get personalized, non-judgmental guidance from an AI that understands your patterns and adapts to your unique financial psychology.
Real-Time Intervention
Receive intelligent prompts when your spending patterns change. Address triggers in the moment, not after the fact.
Micro-Habits That Stick
Build lasting change through small, achievable behavioral adjustments tailored to your psychology—not generic budget advice.
Track What Matters
Measure behavioral change, not just dollars. See your progress in value alignment, habit adoption, and emotional awareness.
Advisor Partnership
Share behavioral insights with your financial advisor so they can provide guidance that accounts for your real spending psychology.
How It Will Work
A simple 4-step process to understanding your financial psychology.
Connect & Analyze
Securely link your bank accounts. We'll analyze 6 months of spending history to establish your baseline patterns.
Discover Your Persona
Take a 15-minute behavioral assessment to uncover your financial personality, triggers, and decision-making style.
Get Real-Time Insights
Receive intelligent prompts when spending patterns change. Your AI coach asks "why" at the right moments.
Build Better Habits
Implement micro-habits tailored to your psychology. Track behavioral change, not just budget compliance.
Join the Journey
Be part of building the future of behavioral finance. Get early access, updates, and behind-the-scenes insights as we build.