Meet Shrewd, the money genius in your texts.
Text Shrewd like a friend who happens to be brilliant with money — spending, subscriptions, net worth, investments. Connect your accounts and ask anything.
Start in iMessage · WhatsApp, Telegram, Instagram, Messenger & X coming soon
Free. No app to download.
Scan to text Shrewd
Point your iPhone camera at the code to save the contact, then text away.
Connects to your banks, cards, and brokerages — 12,000+ institutions through Plaid.
- Chase
- Bank of America
- Amex
- Fidelity
- Robinhood
- Vanguard
Just ask.
Once your accounts are connected, Shrewd answers real questions about your real money — no spreadsheets, no dashboards to learn.
How it works
Up and running in under two minutes.
- 1
Text Shrewd
Start a conversation right in iMessage — no app to download, no dashboard to set up.
- 2
Connect your accounts
Securely link your banks, cards, and brokerages through Plaid. Shrewd gets read-only access — it can never move your money.
- 3
Ask anything
Shrewd pulls from your real accounts to answer questions and remembers what matters to you.
It remembers what matters.
Tell Shrewd you're saving for a house, paying down a card, or planning a big trip, and it holds onto that. Every future answer is shaped by your goals — so the advice gets more personal the more you talk. Review or delete these memories anytime.
Built to be trusted with your money.
Security isn't a feature here — it's the foundation.
Shrewd can see your accounts to answer questions — it can never move money, pay bills, or place trades.
Accounts connect through Plaid, the same secure link used by apps like Venmo and Robinhood. Your bank login never touches our servers.
Your financial data is never used to train models, and you can disconnect and delete it whenever you want.
Everything is encrypted in transit and at rest. Only you can see your numbers.
Questions & answers
Is it safe to connect my bank to Shrewd?
Yes. Accounts connect through Plaid with read-only access, so Shrewd can answer questions but can never move money. Your bank credentials never touch our servers, and everything is encrypted.
Which banks and institutions are supported?
Plaid supports 12,000+ banks, credit cards, and brokerages in the US — including all the major ones. If you can log in online, it's almost certainly supported.
Is Shrewd a financial advisor?
No. Shrewd helps you understand your own money and make more informed decisions, but it isn't a licensed advisor and doesn't provide regulated financial, tax, or investment advice.
Do I need to download an app?
No. Shrewd lives in your text messages — no app, no account. Add it as a contact, connect your accounts, and start texting.
Can I delete my data?
Anytime. Disconnect your accounts and your synced financial data is removed. You can also review and delete individual memories whenever you like.
How much does it cost?
Shrewd is free right now — every feature, no credit card, no contracts. Just text it; if that ever changes, we'll let you know well in advance.
What if I hit a bug or want a new feature?
Just text Shrewd — or email us. We respond to every bug report and feature request within 3 days, guaranteed. You'll hear back from a real person, not a ticket number.
Text Shrewd something you need to know about your money.
Your first answer is one message away. Free — no app to download.
Text Shrewd