AI money coach
Ava
Quick, warm and on your side. Ava runs your monthly check-in, watches your budget, celebrates your wins and tells you exactly what to do next. No judgment about how you got here.
AI money coach · Beta now open
Get your money across the line.
Shellback gets you to your first big financial goal, whatever it is: a home, a car, retiring your parents, or your first $10,000 or $1,000,000 in the bank. Ava, your AI money coach, and Tobias, your AI CFO, build the plan and keep you on it.
Your goal
Home down payment
$18,400 of $40,000 · on track for June 2028
Debt-free date
Card paid off by March 2027
Ava: You were $212 under on food this month. Want to move it to the house fund?
Your first big goal
Whatever finish line you're aiming for.
Buy a home
Buy the car
Retire your parents
Your first $10,000
Your first million
How it works
From paycheck to plan in one sitting.
1
Name your goal
A house, a car, retiring your parents, $10K or $1M in the bank. Ava turns it into a number and a date.
2
Connect your accounts
Read-only through Plaid. Shellback never sees your bank login.
3
Get your plan
A budget, a debt-free date and what to set aside each month to hit your goal.
4
Check in monthly
Ten minutes a month with Ava. Tobias steps in for the big decisions.
Meet your team
A coach for every day. A CFO for the big calls.
AI CFO
Tobias
A 140-year-old tortoise who has lived through every market crash. Slow, calm and few words. He shows up for the big moments: a raise, a windfall, a big purchase.
“The market has fallen many times in my life. I am still here.”
For veterans and service members
Served? Veteran Mode is on us.
A shellback is a sailor who has crossed the line. We built Shellback with veterans, and Veteran Mode is free on every plan.
- Military pay and allowances compared with a civilian salary
- GI Bill and VA benefits built into your budget
- A checklist for your first 24 months out
- Free, on every plan, for as long as you use Shellback
Free tool
When will you be debt-free?
Enter your balance, rate and monthly payment. See your debt-free date, the interest you'll pay, and how much an extra $100 a month saves you.
Questions
Good questions.
What kind of goals does Shellback help with?
Your first big one, whatever it is: buying a home or a car, retiring your parents, an emergency fund, your first $10,000 or your first million. Most people start by paying off debt and building savings, and Shellback plans both.
Are Ava and Tobias financial advisors?
No. They are AI characters, always labeled as AI. They help you budget, plan and stay on track. They don't recommend investments; investment questions go to licensed human professionals.
Is my bank information safe?
You connect accounts through Plaid, the same service many major finance apps use. Your bank login goes to Plaid, never to Shellback, and the connection is read-only: Shellback can't move money.
What does it cost?
Shellback is free to start. A Plus plan with unlimited Ava and Tobias is planned at $7.99 a month. Beta members get early access.
What is Veteran Mode?
Tools for veterans and service members: military pay compared with civilian salary, GI Bill and VA benefits in your budget, and a checklist for the first 24 months out. It's free on every plan.
Beta now open