An AI thinking partner for the money calls you make at 11pm.
heylife brings a panel of three to five honest voices to the money moments that matter, not a single budgeting voice. The $341 jacket in your cart at 11:47pm. The salary that just landed after you overspent last month. The friend asking you to invest in his startup. The lease renewal at +$400/month. heylife shows up with the room of takes you need, tuned to your real numbers.
01 / The job to be doneYou know the numbers. You need the voices, when the cart is open.
You log into your bank twice a month, wince, and close the tab. The dashboard tells you what you spent. It does not tell you whether to close the cart at 11pm. A budgeting app shows you bars; a financial advisor shows up monthly, with one voice, three weeks after the decision. What you need is the room of voices at the moment of decision: the Frugal that says wait, the Hedonist that says you earned it, the Future you that knows what January feels like, the Honest mirror that has seen this pattern before. heylife shows up with that room, tuned to your real situation.
02 / What the money agent does for youFive money moments. Variable voices. Your call.
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$341 jacket in cart at 11:47pm Thursday.
Five voices if you are $47k in credit card debt: Receipts, Math, Hedonist, Future you, Honest mirror. Three softer voices if you are paid off and frugal by reflex: Permission, Frugal, Future you. Same cart, different room.
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Salary just landed. You overspent $640 last month.
Frugal, Realist, Ambitious, Honest mirror. They argue about whether to move money to savings before you see it, accept the overspend was groceries and rebudget, or set up the investment you keep saying you will.
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Friend asks you to invest $10k in his startup.
Loyal friend, Skeptic, Future you, Honest mirror, Math. The room argues about the relationship, the actual odds, the opportunity cost, and what no would do to the friendship.
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Lease renewal: +$400/month. Stay, move, or buy.
Frugal, Realist, Partner-aware, Future you, Ambitious. Five voices for the dual-income couple. Three for the single renter. A real fork-in-the-road decision deserves a real room.
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Stock dropped 15% overnight. Sell, hold, or buy more?
Investor, Skeptic, Future you, Honest mirror. They argue about whether this is a panic moment or a buying one, and whether your thesis from six months ago still holds.
03 / The agent in your councilMeet the Money coach lens.
YOUR MONEY ADVISOR LENS
Money coach
The Money coach is the advisor lens assigned to the Money bucket. It carries the voices that argue about spending, saving, investing, and the awkward money calls that decide a financial life. It coordinates with your other lenses so a heavy travel month does not silently blow up the budget, and a friend in financial trouble does not become a quiet pattern in your own accounts. Read more on the Money coach page.
04 / Pick your role modelsYour council, not ours.
Most personal finance apps hand you the same generic guru. heylife flips that. Your council for Money might be Mr. Money Mustache for the frugality frame, Naval on long-term wealth, your accountant friend who actually knows your tax situation, and the relative who taught you not to panic. We channel their lens into the voices that show up at each money moment. You pick them, you can swap them out, and we cite real source material rather than putting words in their mouth.
05 / Integrations that matter for moneyWhat heylife reads so the voices are grounded.
- Bank and card data. Read-only access to spend, categories, recurring charges, and balances so the panel knows what is actually happening in your accounts.
- Notion. Read-only access to your goals doc and budget plan so the panel knows what you said you cared about.
- Google Calendar. Read-only awareness of paydays, big bills, and big purchases on the horizon.
- Gmail. Read-only signal on receipts, statements, and the financial conversations sitting in your inbox.
heylife is in private beta; integrations roll out as we open access. All access is read-only and revocable. heylife does not move money on your behalf, today or in the foreseeable future.
06 / FAQThree quick questions.
How is this different from a budgeting app or financial advisor app?
A budgeting app shows you bars. A financial advisor app gives you one voice, one philosophy, one direction. heylife brings a panel of three to five honest voices to the moment of decision, tuned to who you are. The high-earner with credit card debt gets a different room than the frugal saver. The voices disagree on purpose, so you see the trade-off before you click buy.
Does heylife move money for me?
No. heylife never moves money on your behalf. It reads, advises, and surfaces the room of voices at the moment. You move the money. You close the tab. You text the friend. That separation is intentional and we do not plan to cross it.
When does it launch?
heylife is in private beta now. Invites go out weekly to people on the waitlist, in small batches, so we can pay attention to every early user. Drop your email and we will let you know when yours is ready.
The room of voices you needed before you clicked buy.
Weekly invites. No spam. You can leave any time, and you take your data with you.
Join the waitlist