Talk to your money

Spend seconds on your finances, not Sundays.

Financial Software designed for the most productive people.

Cobalt

Own your financial data.
Use it anywhere.

ChatGPT5
help me budget a trip to Lisbon
Let me pull your cash + monthly income to size the trip against your savings rate.
how many days can I afford?
A 5–7 day trip fits — budget $1,200–$1,500 total (flights + stay + activities). Pulls from cash, not your emergency fund. Won't move your savings rate more than 0.3 months.

API for your money

Build your own personal finance apps without having to manage glue code.

Cobalt SDK
Get SDK
$ bun add @cobalt-money/sdk

 bun add v1.1.34

 + @cobalt-money/sdk@1.4.2

 1 package installed [428.00ms]

$ bun run dev
 $ next dev --turbo

   ▲ Next.js 15.2.0 (turbo)
   - Local:   http://localhost:3000
   - Network: http://192.168.1.42:3000

 ✓ Ready in 612ms
 ✓ Compiled /net-worth in 184ms
 GET /net-worth 200 in 27ms
1:13
editDebitBrokerageNet Worth
$126,891.99
-9.08%($12,675.53)
1W1M3M6M1YAll
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MNKD
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100.00%
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22.98%
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72.68%
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GOOG
56.10%
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AAPL
31.24%
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Your money,
in your pocket.

You deserve full transparency.

Cobalt is 100% open source.

FAQ

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