Nope. Klutch Connect was built for the cards and bank accounts you already have. Link your checking account, your credit cards, even your savings, and Klutch AI gets to work with what's already in your wallet. If you ever want a card built around Klutch AI, the Klutch Card is there for you, but it's completely optional.
Yes, and you don't need a credit card to start. New users get a full month of Klutch Connect for free, with every Skill included. When your month is up, you choose how to keep going: $6 a month, or $5 a month when you pay for the year ($60 total, which saves you $12). Decided it's not for you? Just don't pick a plan. Since we never asked for your card, there are no surprise charges.
If you have a Klutch Rewards or Metal card, good news: Klutch Connect is already part of your plan, at no extra cost. Just open the app and start asking. If you're on Essentials, your first month of Connect is on us, and after that you can keep it for $5 a month.
Think of Skills as the things Klutch AI knows how to do for you, and they all work with the cards and accounts you connect. AI Insights sends you a quick, plain-English brief on your spending. AI Budget sets a budget for you and tracks it in real time, so you know before you go over. Subscription Monitor finds every recurring charge, including the ones you forgot about. Klutch for Good rounds up your purchases and donates the change to a cause you care about. You don't need to learn any menus. Just ask your question and Klutch AI uses the right Skill. More Skills are on the way.
Checking accounts, savings accounts and credit cards from thousands of US banks and card issuers. Connections are powered by Plaid, the same trusted service thousands of finance apps use to link bank accounts, so there's a good chance yours is on the list. Linking an account takes just a few minutes, and you can add as many as you like. The more you connect, the more complete your answers get.
No. Klutch never moves money between your accounts. Klutch AI reads your transactions and balances, then uses AI to analyze your spending, help you set goals and budgets, and adjust settings and limits inside your Klutch account. Your money stays exactly where it is, and you're the one who decides what to do with it.
We take this seriously. Your accounts are connected through Plaid, the secure service thousands of finance apps rely on to link bank accounts. Your data is encrypted, and you sign in to your bank through Plaid's secure flow, so your bank login details aren't shared with Klutch. Klutch only uses your data to power Klutch AI for you, and we never sell your personal information. And you're always in control: you can disconnect any account at any time, right from the app.
No. Klutch AI is here to help you understand and organize your own money: where it went, what's coming up and what's left to spend. It's a smart assistant, not a financial advisor, so it won't tell you what to invest in or make financial decisions for you. For that kind of advice, it's always best to talk to a licensed professional.