AI-powered purchase decisions

Should you
buy it?

Verdict reads your real bank balance and spending, then tells you YES, WAIT, or NO — before you spend money you don't have.

Secured by Plaid  ·  Read-only access  ·  We never touch your money

Download the app See how it works ↓
Verdict app
Verdict app
Secured by Plaid
Read-only bank access
We never sell your data
Works with 12,000+ banks
The app

Everything you need.
Nothing you don't.

Welcome screen
Get started
Connect your bank securely in under 60 seconds via Plaid.
Ask screen
Ask a verdict
Type what you want to buy, the price, and whether it's a want or need.
YES result
Get your answer
A clear YES, WAIT, or NO with the exact reason why.
Ask detail
Want vs. Need
Tag every purchase so Verdict applies the right level of scrutiny.
Real verdicts

What Verdict actually says

YES
AirPods Pro · $249
Your balance covers this with $680 to spare after upcoming bills. You're on track with savings. Go for it.
WAIT
Gym membership · $65/mo
Your rent posts in 4 days and this cuts your buffer below 3 weeks of expenses. Revisit on the 18th.
NO
PS5 · $499
With $142 in upcoming bills and $380 in your account, you'd be $261 short of your buffer. Pay down your card first.
How it works

Three steps, one clear answer

1
Connect your bank
Link your account securely via Plaid in under 60 seconds. Read-only — we can never move money or see your login credentials.
2
Ask about a purchase
Type what you want to buy, enter the price, and tag it as a want or a need. Takes about 10 seconds.
3
Get your verdict
Verdict checks your real balance, upcoming bills, and spending patterns — then gives you a clear YES, WAIT, or NO with the exact reason why. No dashboard. No charts. Just an answer.
Who it's for

Built for people who worry about money

🎓
Students
No regular paycheck? Verdict adjusts for student finances and works from your actual balance.
💼
Freelancers
Irregular income? Verdict applies a larger safety buffer automatically so you never overspend.
🛍️
Impulse buyers
In a store, second-guessing yourself? Get a real answer in under 15 seconds.
😰
Financially anxious
87% of Americans stress about money weekly. Replace anxiety with a clear, honest answer.
Security

Your data stays yours

🔒
Read-only
We can see your balance. We can never move a dollar.
🏦
Secured by Plaid
Trusted by Venmo, Robinhood, and Coinbase.
🚫
Never sold
We don't sell your data. Ever. To anyone.
🗑️
Delete anytime
Disconnect your bank or delete your account in one tap.

Stop guessing.
Start knowing.

Download Verdict and get your first verdict in under 2 minutes.

Download on theApp Store
Get it onGoogle Play

Not on mobile yet? We'll notify you at launch.

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