AI-powered

German finances. Finally in English.

GeldKI connects to your German bank account and helps you navigate Steuerklassen, Kindergeld, Nebenkosten, and more — all via chat, all in English.

GeldKIOnline
Hey! I checked your spending. You spent €247 on Lieferando this month — that's 3x more than last month. Everything okay? 😅
Oh wow, really that much? 😬
Yep! If you cut it to €100/month, you'd save €1,764 a year. That's your holiday fund sorted! 🏖️

Built for Expats in Germany

AI Money Coach

Chat about your finances in plain English. Ask anything — from "What's a Steuerklasse?" to "Am I overpaying rent?"

Connect Your German Bank

Sparkasse, N26, DKB, ING, Commerzbank — connect securely via PSD2 and see all your transactions in one place.

Track Your Spending

Automatic categorization of your expenses. Finally understand where your euros go each month.

Set Savings Goals

Set targets and let your AI coach hype you up — or roast you when you blow your budget at Rewe.

Three Personalities

Normal, Roast Mode, or Hype — your coach adapts to your mood.

Made for Germany

Tax classes (Steuerklassen), child benefits (Kindergeld), utility bills (Nebenkosten) — GeldKI understands the system so you don't have to.

Pro

Tax Class Optimizer

Married? Find out if III/V or IV/IV is better for you — and save up to thousands of euros per year.

Pro

Kindergeld & Elterngeld

Calculate your child benefit and parental allowance. Many families leave money on the table — don't be one of them.

Pro

Cancellation Assistant

Generate legally valid cancellation letters for contracts and subscriptions — one click, right in the app.

Pro

Utility Bill Check

Get your annual utility bill checked — GeldKI catches errors your landlord might have missed.

Simple Pricing. No Fine Print.

Free

€0forever
  • Connect your bank account
  • Basic spending overview
  • 5 AI chats per day
Popular

Plus

€4.99per month
  • Unlimited AI chats
  • Roast & Hype modes
  • Savings goals
  • Spending alerts
  • 7-day free trial

Pro

€9.99per month
  • Everything in Plus
  • Tax class optimizer (Steuerklassen)
  • Utility bill checker (Nebenkosten)
  • Child benefit calculator (Kindergeld)
  • Subscription cancellation assistant

Frequently Asked Questions

Is GeldKI secure?
Yes. We use PSD2-certified banking APIs and never store your login credentials. Your data is encrypted and only accessible to you.
Which German banks are supported?
Sparkasse, Volksbank, N26, DKB, ING, Commerzbank, Deutsche Bank, Postbank, HypoVereinsbank, Comdirect — and many more.
I don't speak German — can I still use this?
Absolutely. GeldKI works entirely in English. It connects to your German bank and explains everything in plain English — no German required.
What is Roast Mode?
Roast Mode is when GeldKI gives you brutally honest feedback about your spending. Not mean — just direct. Perfect when you need a reality check.
Can I cancel anytime?
Of course. No minimum term, no hidden costs. Cancel your subscription anytime in settings.
What are Steuerklassen and why should I care?
Steuerklassen are German tax classes (I through VI). If you're married, switching between class III/V and IV/IV can save you thousands of euros per year. Most expats don't know this — GeldKI helps you optimize.
Early Access

Ready to take control of your money?

Join the waitlist and be among the first to use GeldKI.