AI Money Coach

Know what you can
actually afford.

No more guessing. No more payday surprises. BrokeCheck tells apprentices and Gen Z exactly how much they can spend today — and warns them before they run out.

CHF 18.50 safe to spend today
9 days until payday
3 spending leaks found
Today Friday, 12 Jun
Safe to spend
CHF 18.50
62% of daily budget used
Broke prediction In 5 days
Savings goal CHF 340 / 500
AI Tip Stop the Netflix share
Can I buy this?
Jacket — CHF 89
Maybe You can afford it, but it'll push your broke date forward 3 days. A smarter alternative: find it secondhand first.
See how it works ↓
How it works

Three steps to financial clarity

01

Set up once

Enter your monthly income, payday, and fixed costs. Takes 2 minutes. BrokeCheck calculates your daily safe spending budget automatically.

02

Track effortlessly

Log expenses in seconds — just type "Burger 12 CHF" and the app handles the rest. Natural language. No forms. No friction.

03

Get honest answers

Ask "Can I buy this jacket?" and the AI gives you a real answer — not a sales pitch. It shows impact, consequences, and smarter alternatives.

Core features

Everything you need.
Nothing you don't.

"Can I afford this?" check

Enter any item and price. The AI answers yes, maybe, or no — with the real impact on your daily budget and how many days it pushes you closer to broke. Includes smarter alternatives and "buy later" suggestions.

Daily safe budget

Know exactly what you can spend today without going broke before payday. Updates in real time as you log expenses.

Broke prediction

The app watches your spending pace and predicts when you'll run out of money. Gives you time to adjust before it happens.

Spar Radar

Scans your spending for leaks — subscriptions you're not using, food delivery habits, impulse purchases. Finding one or two saves you CHF 50–200/month.

Natural language tracking

"Burger 12 CHF" or "Spotify" — that's it. The AI figures out the category, amount, and records it instantly. No menus, no categories to pick.

Private mode

Some purchases are personal. Private mode hides or anonymizes expenses so they're only visible in totals — never in detail. Your data, your privacy, by design.

The dashboard

Understand your money in 5 seconds

Every number on the home screen answers a question apprentices actually ask themselves. No jargon, no spreadsheets — just clarity.

  • Money left until payday — not a balance, a countdown
  • Today's safe spend — the number that matters right now
  • Biggest spending leak — what quietly drains your account
  • AI tip of the day — one actionable insight, every morning
  • Spar Radar alerts — when we find a saving opportunity
  • Broke date warning — how many days until you run out
9:41 BC
Money until payday
CHF 287.40
9 days left · CHF 31.93/day safe
Spending 18% faster than sustainable
Today
CHF 12.80
of CHF 31.93
Biggest leak
Food delivery
CHF 187/mo avg
Spar Radar
3 found
CHF 94/mo potential
Savings goal
68%
CHF 340 of 500
Your Netflix account is being shared with 2 others who never use it. Cancel or split it.

Your money is nobody's business but yours.

BrokeCheck is built privacy-first. We never sell your data, never show ads, and never require a bank link. Your financial data stays on your device — and that's not a policy, it's the architecture.

No bank account linking required
No ads, ever
Data never sold or shared
Private mode hides sensitive purchases
For apprentices. For Gen Z. For everyone who's tired of not knowing.

Financial clarity isn't a luxury.
It's a right.

Most finance apps are built for people who already understand money. BrokeCheck is built for everyone else — the apprentices, the Gen Zers, the people who check their balance and feel that sinking feeling. You're not bad with money. You just never had a tool that speaks your language. Now you do.

BrokeCheck is being built. Subscribe to follow along.