A GPS for your money.
You set the destination. Midas finds the route, and tells you what’s safe to spend today to stay on it.
Midas never moves your money. It shows the road. You drive.
Cash FlowProjected balance · 30 days
$4,820
+$1,180 this month
MidasnowYour car insurance renews Tuesday. The $412 is already covered.
It does the budgeting for you
Connect your accounts once. Midas handles the sorting, the math, and the upkeep from there.
Sorted before you look
Midas reads every transaction and files it automatically. When one's genuinely unclear, it lands already tagged with its most likely category, so one tap or a swipe confirms it. It learns how you label each merchant, so the same question never comes up twice, and every dollar is tracked and totalled without you entering a thing.
Catch the tight week before it arrives
Midas projects your paychecks and bills across the calendar and recalculates when life changes, so a low balance never sneaks up on you.
See what's coming
Project your checking balance 30, 60, 90 days out, or all the way to year's end. Paychecks, bills, and bonuses laid out on a calendar so nothing sneaks up.
It tells you before you ask
Midas watches your money in the background and flags what changed. A subscription that crept up, spending running ahead of last month, a bill that came in higher than usual. The things worth knowing come to you, so you never have to go looking for them.
Reports that answer one question each
No dashboards to assemble. Every report is built around a single question worth asking about your money, and reads at a glance.
50/30/20 guideline: 50% Needs · 30% Wants · 20% Savings & Debt
Answers the moment you have a question
Ask Midas inside the app, or reach your money from the AI assistant you already use.
Meet Midas, your in-app assistant
Ask plain-English questions about how the app works or what your numbers mean. Opt in to share your financial data and answers get personal. Always concise, never jargon.
Ask about your money without opening Midas
You already use ChatGPT and Claude. Connect Midas once, and they can answer questions about your real accounts, spending, and goals right in the conversation you're already having. Planning a trip? Ask whether you can afford it and the reply uses your actual numbers. The connection is read-only, so nothing can ever be moved or changed.
And everything else you'd expect
The essentials, built in and working from day one.
A budget that adapts
See exactly what's safe to spend this month. The plan adjusts as life changes, not the other way around.
Goals and debt, tracked
Set savings goals and a payoff plan for debt. Watch real progress without doing the math yourself.
Subscriptions in one place
Every recurring charge and renewal date collected in a single list, so you always know what you are paying for.
Net worth at a glance
Every account in one place gives you a single, honest picture of where your money actually stands.
A dashboard you arrange
Drag and drop widgets so the numbers you check most are the first thing you see when you open the app.
Reports that answer
Eleven built-in reports, each focused on a single question, from savings rate to spending by category.
Your money, kept private
Serious protection, explained in plain terms.
Bank-level encryption
Your accounts connect through Plaid, the same secure service trusted by major banking apps. Your data is encrypted, and your bank login never touches Midas.
Two-factor authentication
Turn on 2FA with any authenticator app, so opening your account takes more than a password. You decide how locked down it is.
Your data stays yours
Your financial data is never sold and never used for advertising. AI features only see your finances when you opt in, and you can switch them off anytime.
Everything the others do, for less
Midas keeps pace with apps that cost half again as much, and pulls ahead where it counts: a daily number that tells you what’s safe to spend, and a price that undercuts all of them.
| Midas | Monarch | Copilot | YNAB | |
|---|---|---|---|---|
| Tells you what’s safe to spend today | ||||
| Forecasts your upcoming cash flow | ||||
| Built for seasonal and irregular income | ||||
| Works on Android, Windows, and any browser | ||||
| Built-in AI assistant | ||||
| Connect your own AI (Claude, ChatGPT) | ||||
| No envelopes or zero-based budget to maintain | ||||
| Starting price | $9.99/mo | $14.99/mo | $13/mo | $14.99/mo |
Comparison reflects publicly listed features as of July 2026. Midas price shown is founding member pricing. Product names are trademarks of their respective owners.
The difference is in the details
Feature lists look alike. The day-to-day doesn’t.
It nets out reimbursements
When a friend pays you back or a charge is refunded, Midas cancels it against the original instead of logging it as fresh income. Your spending and savings stay honest, without you untangling it.
It asks instead of guessing
When a transaction is genuinely unclear, Midas flags it for a one-tap confirm rather than quietly filing it under a best guess. The numbers you budget on don’t quietly drift wrong.
One screen, not a control panel
Nothing to assemble or configure. The number that matters, what’s safe to spend today, is the first thing you see. The depth is there when you go looking, out of the way when you’re not.
One plan, founding member price
Start with a 14-day free trial. Cancel anytime.
Monthly
Regular $14.99
Annual
Best valueSave about $50 a year · Regular $99.99
- Automatic bank sync across all your accounts
- Every report, insight, and cash-flow forecast
- Built-in AI, plus connect your own assistant
- Goals, debt payoff, subscriptions, and alerts
- All four themes, on every device
14-day free trial. Card required to start. Cancel anytime.
Frequently asked questions
How much does Midas Budget cost?
Midas Budget costs $9.99 a month or $69.99 a year for founding members (the first 1,000 sign-ups, locked in for life), and every plan starts with a 14-day free trial you can cancel anytime. The regular price is $14.99 a month or $99.99 a year. A card is required to start the trial, and there is no free tier.
Is my financial data secure?
Yes. Your accounts connect through Plaid, the same service used by major banking apps, and your bank login never touches Midas. Your data is encrypted, you can turn on two-factor authentication, and your financial data is never sold or used for advertising.
Do I have to enter transactions by hand?
No. Once you connect your accounts, Midas imports every transaction automatically and files it into the right category. You just confirm the occasional unclear one with a tap.
How does connecting my bank work?
Midas links to your bank and cards through Plaid over a secure, read-only connection. You enter your credentials directly with Plaid, never with Midas, and Midas can only read your transactions, never move money.
What devices does Midas work on?
Midas is a web app that runs in any modern browser and installs to your home screen like a native app, so you get the same experience on desktop, tablet, and mobile.
Can I use my own AI assistant with Midas?
Yes. Midas connects securely to Claude and other assistants that support it, so you can ask about your accounts, spending, and goals in plain English. The connection is read-only, so nothing can be moved or changed.
When does Midas launch?
Midas Budget is launching soon. Join the waitlist and we'll let you know the moment it's ready, with founding member pricing reserved for early sign-ups.
Be first in line
Midas Budget is launching soon. Join the waitlist and we'll let you know the moment it's ready, with founding member pricing locked in for early sign-ups.
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