BreadAI

Know your money is enough, then live fully. Bread shows your money from today all the way to retirement: how much you can spend this month, and how long your money will last. T.O.N.Y., your AI money adviser, thinks it through with you. Start by answering 7 questions about your life and money, then read your first plan report. No bank login needed. USED TO WONDER WHERE THE MONEY WENT? Now every baht has a job. • The Spending tab shows the money you should have right now, next to what is really in your account • Split money into pockets: this month's savings, emergency fund, yearly expenses • Money left over? Keep it as a buffer, top up savings, invest, pay down debt or treat yourself, and see the before and after every time USED TO GIVE UP ON TRACKING? Now you log it the moment you pay. • Snap or pick a slip or receipt and let AI read the amount • Say "coffee 80 baht" and it's logged • On iPhone, set up a shortcut once and Apple Pay purchases wait for you to confirm (works with cards in Apple Wallet) USED TO BE SURPRISED BY BILLS? Now you see every due date coming. • One calendar for bills, due dates and your own events, to-dos and reminders • Get reminded a day or a week ahead • Put an amount on what's coming up and start saving for it today USED TO WONDER WHEN THE DEBT WOULD END? Now you can see your debt-free date. • Add home, car, credit card and loan debt, with interest worked out the way each loan really charges it (reducing balance, flat or revolving) • Try an extra payment first and see how much interest you save and how much sooner you're free USED TO THINK RETIREMENT WAS FAR AWAY? Now you know whether it will be enough. • Bring PVD, GPF and NSF retirement savings into one place • Set life goals and see your future plan as a yearly chart • Adjust the assumptions yourself: inflation, returns, retirement age USED TO DREAD TAX SEASON? Now you know what you can still deduct. • See your tax from your income, plus deductions such as insurance, RMF and SSF USED TO GO IT ALONE? Now someone walks with you, one step at a time. • Habit missions, one money habit at a time, and a streak that shows how far you've come • T.O.N.Y. talks money with you by text or voice. It reads the numbers in your plan, lays out options, and prepares a card for you to confirm before anything changes YOUR DATA, YOUR CALL • No bank login and no bank passwords • No ads, and we don't sell your data • Data goes to AI only with your consent; AI providers may not train on it. Say no and the app still works • Lock the app with Face ID • Delete your account yourself, in the app Good to know: Bread is a personal financial planning tool. Every figure is an estimate based on the data and assumptions you enter. It is not investment advice and returns are not guaranteed. T.O.N.Y. is an AI assistant, not a licensed investment adviser. Every money decision stays yours. Plan today, and live knowing your money is enough.