Personal finance, on autopilot

Your personal CFO
that acts for you.

Every other financial app tells you what to do. Tobin does it. An autonomous agent that monitors your finances and takes action, within guardrails you control.

See how it works
Activity
Last 7 days

  • Moved $3,200 to checking

    Auto

    Mortgage due tomorrow · pulled from HYSA

    Today

  • Paid Chase Sapphire $2,847

    Auto

    1 day before interest charge

    May 2

  • Paid Comcast $79.99

    Auto

    Internet · scheduled autopay

    May 1

  • Swept $5,400 to high-yield

    Auto

    +$14.80/day · Wealthfront 4.25%

    Apr 30

  • RSU exercise window opening

    Decide

    Modeled scenarios ready · review

    Apr 28
Optimized this year
+$2,150
worked for you
+$1,847
saved for you

The problem

Your money lives in silos. None of them act for you.

Banks, brokerages, robo-advisors, and budget apps each see one slice of your finances. Nothing sees the whole picture. Nothing moves money on your behalf.

Today — fragmented and stuck
Silo

Banks

Hold your money.

Earn nothing for you.
Silo

Brokerages

Wait for you to trade.

You make every move.
Silo

Robo-advisors

Act on one account.

Blind to everything else.
Silo

Budget apps

Show you what's happening.

Don't move a dollar.
With Tobin

One picture across every account. Action across every one of them.

Optimize the cash you have, plan the moves you don't have time for, and build long-term wealth without thinking about it.

How it works

Three tiers of trust. You set the line.

Tobin acts within guardrails you control. Stakes go up, your involvement goes up. Trust is earned over time, not assumed.

Tier 1
Automatic

Low-stakes moves happen on their own.

  • Sweep idle cash to a high-yield account
  • Cancel subscriptions you don't use
  • Pay your credit card before interest hits
Tier 2
One-tap

Medium-stakes moves are prepared end-to-end. You approve.

  • Rebalance your portfolio to target
  • Move money before a bill hits
  • Negotiate a lower rate on a recurring bill
Tier 3
You decide

High-stakes decisions are fully analyzed. You make the call.

  • When to exercise your RSUs
  • When to harvest tax losses
  • When to refinance

What Tobin does

Six things working in the background. All the time.

Sweep idle cash

Move cash sitting in low-yield accounts into a high-yield account, automatically.

Cancel unused subscriptions

Find recurring charges you don't use anymore and shut them down.

Pay bills on time

Pay your credit card before interest hits and time bills so nothing overdrafts.

Negotiate your rates

Renegotiate internet, phone, and insurance bills without you lifting a finger.

Time your RSUs

Model exercise and sell scenarios and surface the optimal window for your equity.

Harvest tax losses

Spot opportunities to offset gains and lower your tax bill at the right moment.

Security

Security first.

An agent that moves money on your behalf has to be trustworthy from day one. Privacy, permissions, and auditability are not features we layer on later — they are how Tobin is built.

  • SOC 2 from day one
  • End-to-end encryption
  • Read-only by default
  • Tiered permissions
  • Full audit log
  • Zero conflict of interest