Bonsai AI financial planning app on iPhone – personalized money plan in one place

Your money, in control. Now in one place.

Bonsai helps you plan, invest, and build wealth in one AI financial planning app that keeps up with your life.

You

Hey Bonsai, I want to buy a
house in the next 2 years.

You

Is that realistic?

Bonsai

Got it, that's a smart goal! From what
I see, it's within reach after a few small
tweaks to how you save and invest.

Bonsai

Here's a plan that adapts with you
as your income and spending
change.

Bonsai

You

Hey Bonsai, I want to buy a house in the next 2 years.

You

Is that realistic?

Bonsai

Got it, that's a smart goal! From what I see, it's within reach after a few small tweaks to how you save and invest.

Bonsai

Here's a plan that adapts with you as your income and spending change.

Bonsai

You

Resources

Made for your life

A personal plan created based on what you earn, spend and save. Adapting as life changes to keep you moving toward your goals.

Man holding phone using Bonsai AI financial planning app to reduce money stress

You

I want to stress less about money

Woman showing Bonsai personal finance app on phone with active home-buying goal plan

You

I want to buy a house

Person doing yoga – symbolizing calm and balance from early retirement planning in Bonsai all-in-one money app

You

I want to retire earlier

INTRODUCING BONSAI WEALTH

Like a personal advisor in your pocket

Bonsai brings AI financial planning and investing together in an all‑in‑one money app.

Bonsai AI financial planning app on iPhone – woman using app to manage goals

“Your 24/7 AI Financial Co-Pilot”

Featured in Markets Insider (by Business Insider)

Woman sleeping on her dog on the couch – financial peace from reducing mortgage in Bonsai AI financial planning app

Reduce mortgage

Man and woman juggling – work-life balance achieved with early retirement planning in Bonsai personal finance app

Retire early

Someone surfing – freedom and confidence from building savings with Bonsai all-in-one money app

Build savings

Less thinking, more living

Get your full financial picture in one place with a plan that adapts as your goals or income change.

Person writing on paper – smart tax optimisation using Bonsai affordable investing app

Be more tax efficient

Woman holding two babies (one on ground, one carried) – family security via future planning in Bonsai AI financial planning

Save for a family

Couple painting their home, husband with paint on nose – celebrating homeownership goals in Bonsai personal finance app

Buy a home

Less thinking, more living

Get your full financial picture in one place with a plan that adapts as your goals or income change.

Reduce mortgage

Retire early

Build savings

Be more tax efficient

Save for a family

Buy a home

Meet Lily, your financial co-pilot

Lily keeps an eye on your plan and sends timely nudges to help you stay on track as life and markets change.

HOW IT WORKS

From setting goals to hitting life milestones

Bank of America

****435

Janie

Monthly earnings

$5,000.00

Monthly expenses

$3,903.53

Connect your accounts

Your bank accounts connect securely through Plaid to bring all your finances together in one place.

I'd like to finally pay off my debt and start saving consistently.

Set your goals

Tell us what matters most, like buying a home, saving for a wedding, or retiring earlier.

Financial summary

Monthly earnings

$5,000.00

Monthly spendings

$3,903.53

Net balance

This month

+$1,096.47

Accounts Overview

Mortgage balance

$60,523.00

/ 93,500.00

Next payment

Due next week

$1,562.63

Savings balance

$900.00

Auto-save

Next week

$300.00

See your full financial picture

View what you own, what you owe, and where you stand today clearly in one app.

New plan created

Your financial plan has been personalized based on your income, savings, and goals.

Home savings

On track

Saving

Per month

$400.00

Pay off credit card

2 months remaining

Paying

Per month

$332.52

Get your plan

In minutes, receive a personalized AI plan that adjusts as life and markets change and gives you simple next steps.

Affordable for everyone

No high minimums. Low, transparent pricing so you can start with any amount and build at your pace.

You

Hey Bonsai, I want to save for
a trip and still pay rent on time.

Bonsai

That's doable. I'll balance your budget
so you can do both without stress.

You

So I don't have to choose
between fun and bills?

Bonsai

Frequently Asked Questions

What makes Bonsai different from all the other money apps?

Most apps show what you already spent. Bonsai builds a plan that connects spending, saving, and investing to the goals you care about.

How much will Bonsai cost me?

Can Bonsai really help me reach my goals?

When can I actually start using Bonsai?

Can I actually trust AI to guide my finances?

Who is Bonsai really for?

Ready to take control of your money?

Plan and invest all in one app that keeps up with your life.

team@bonsaiwealth.io

Bonsai Smart Wealth Ltd ("Bonsai") is a financial technology platform providing educational content, portfolio tools, and AI-generated insights for informational purposes only. Bonsai is not registered as an investment adviser with the SEC or any state regulator and does not provide personalized investment advice or recommendations to buy, sell, or hold securities. All investing involves risk, including loss of principal. Past performance and backtested or hypothetical results are illustrative only and not guarantees of future returns. Bonsai's AI tools generate insights based on user inputs and historical data but are not personalized recommendations and may contain errors. Bonsai does not custody or control user assets; any investments are held with independent, third-party qualified custodians.