Personal finance, by text

Reeflect lives in your texts.

Ask how you're doing and it tells you what you can spend each day until payday, and what's coming before then. On the web, your whole month is a calendar.

Sign up freeSee how it works

You can spend about $37.94 a day until payday.

Payday is Thursday, October 15, 8 days away. 4 payments come out before then.

In your account today
$469.42
Owed before payday
$165.88
Yours to spend
$303.54
October 2026
TodayOct 7: $469.42
What Reeflect does

Less bookkeeping. More knowing where you stand.

01 · Track

Every dollar, sorted.

Income and expenses land in one place and sort themselves into categories. See your month at a glance, spot what changed, and stop guessing what's left until payday.

TodayWednesday, October 7
Money in
$40.00
Money out
$39.99
Balance after
$469.42
  • Thrift shop, cashShopping, added by you−$27.99
  • LunchEating out, texted in−$12.00
  • A refundMoney in, texted in+$40.00
september-statement.pdfDone
42 transactions foundAuto-categorized
Transactions found in the statement
DateDescriptionCategoryAmount
Sep 02City Water UtilityBills−$38.40
Sep 03Whole Foods MarketGroceries−$92.16
Sep 05Direct depositIncome+$2,060.00
02 · ImportPreview

Drop in a statement. Skip the data entry.

Upload a bank statement as a PDF or CSV and Reeflect pulls out every transaction, dates and amounts included, then files each one where it belongs. Months of history in seconds, not an afternoon of typing.

03 · Ask

Just text it.

Text "spent 12 on lunch" and it's logged. Ask "how am I doing?" or how much you spent on food, and Reeflect answers with your exact numbers. No app to open.

An example conversation with Reeflect

  1. Reeflect: Hi, it's Reeflect. Tell me what you spent, or ask how you're doing.

  2. You: spent 12 on lunch

  3. Reeflect: Logged $12.00 for Lunch. You have $469.42 today, and $165.88 is owed before payday on Oct 15. That leaves about $37.94 a day.

  4. You: how am I doing?

  5. Reeflect: You have $469.42 today, and $165.88 is owed before payday on Oct 15. That leaves about $37.94 a day.

Under the hoodPreview

From your bank to your calendar.

Every number on your dashboard traces back to a transaction. Here's the path it takes. The Nessie sync is still being built; until then, the dashboard runs on sample data.

  1. 01 · Source

    Capital One Nessie API

    Reeflect requests the account's purchases, deposits and bills.

    GET /accounts/{id}/purchasesGET /accounts/{id}/depositsGET /accounts/{id}/bills
  2. 02 · Sync

    Reeflect backend

    Merges bank data with your imported statements and texted-in entries, removes duplicates, and sorts each one into a category.

    + Imported statements+ Texted in
  3. 03 · Forecast

    Balance forecast

    Rolls upcoming bills and your next payday forward to project your balance for every day of the month.

    Payday Oct 154 bills due first
  4. 04 · Show

    Calendar dashboard

    Safe to spend$37.94/day
How it works

Up and running in three steps.

  1. 01

    Create your free account

    Sign up with your email. No card required.

  2. 02Preview

    Upload a statement

    Add your latest bank statement, or log income and expenses by hand.

  3. 03

    See it, then ask

    Your dashboard fills in instantly. Ask the agent whatever you want to know.

Start reflecting on your money.

Free to start. Takes about a minute.