Money Mentorby Celeris42

Money, explained like a friend would.

Know what’s safe to spend before payday, track every category, plan goals, and get real answers about bills, budgets and debt. Plain answers, with sources, so you can focus on your studies.

Enter the demo as Maya →Talk to the Mentor
Web · Desktop · MobileScrollTeam Celeris42 · 2026
Safe to spend✦Expense tracking✦Category budgets✦Savings goals✦Proactive nudges✦Natural-language Q&A✦Bill management✦Debt consolidation✦Daily · Monthly · Quarterly reports✦

Built for your first budget.

College students juggle tuition, loans, part-time income and their first experience managing money, usually with little guidance and high stress.

01Safe to spendOne number for what you can spend before payday, after bills and goal deposits. A payday timeline shows your balance after each bill and warns you before it goes negative.
02Expense tracking that learnsAdd an expense in seconds (press N), with AI auto-categorization across 14 categories. Tap any expense to edit or delete it, and the Mentor remembers your corrections.
03Budgets & spending reportsA budget for every category, with a marker showing where you should be today. Daily, monthly and quarterly reports show where your money went.
04Savings goalsSet goals like a spring break trip or emergency fund, plan a weekly amount, and pause, withdraw or edit any time. Planned deposits feed your safe-to-spend.
05Bill managementUpcoming bills in date order. Monthly bills roll forward when you mark them paid, with a paid history. No bank connection needed.
06Debt consolidation toolCompare paying your cards and loans as you are with one consolidation loan: monthly payment, total interest and debt-free date, plus the break-even rate worth accepting.
07A Mentor that acts, with your OKPlain-language nudges and cited answers to questions like “Can I afford this?”. Suggested fixes come as cards you approve, edit or skip, and every action is logged with Undo.
08Notifications & first-run setupAlerts for bills due soon, payday warnings and goal milestones. A one-minute setup gets you started, and the app works on phones and with a keyboard or screen reader.
The Mentor

It speaks up before money gets tight.

Plain-language nudges when you drift from your plan, cited answers when you ask, and suggested fixes it only makes with your OK.

Try a conversation
Nudge · Food
“You’re on pace to overspend on food this month. Want to adjust?”
Raise Food to $410, lower Fun by $60Approve
Can I afford a $180 concert ticket?
Not comfortably this month. You have about $212 of flexible money until Sep 30.
[1] Your September transactions[2] Bill schedule

Responsible by design.

PrivacyYour data stays yoursYou choose what the Mentor can read. Nothing is sold or used to train shared models.
AccuracyCites, or says it doesn’t knowAnswers link to your own data or trusted sources like studentaid.gov. No guessing.
TransparencyShows its reasoningEvery answer is labeled as based on your data or general guidance, with a clear disclaimer.
FairnessAdvice without judgmentSuggestions depend on your numbers and goals, not on assumptions about who you are.
ControlNothing happens without youYou choose what the Mentor can do: off, ask first or automatic. Every action is logged and can be undone.
SecurityNo bank login neededYou enter your own numbers. Money Mentor never connects to your bank, pays bills or moves money.