Autopilot
Month-to-month autopilot
When a paycheck slips, Liquidity shows that the old bill plan no longer holds, and asks before moving a dollar.
Payroll Fri Oct 30 → Sat Nov 7 · savings $1,519.00 → $3,709.00
The smartest money is the money you don't have to move.
Liquidity tracks the money available to you, protects tomorrow's obligations, and finds your least-cost way to pay.
No login · Fictional data · No real money moves
- Checking$1,800.00
Confirmed balance
- Savings$6,000.00
Above the $2,000.00 floor
- Paycheck$2,190.00
Fri Oct 30 · unconfirmed
Card statement
$3,000.00
Paying cash alone would press the floor.
Wait — no transfer needed today
Product illustration using Alex's fixture numbers. Not a live balance and not a bank feed.
How it works
Budgeting apps show where money went. Liquidity decides where it should come from.
01
See all your capital
Checking, savings, cards, investments, crypto, and property in one view. Every number is tagged with where it came from.
02
Plan ahead
A forecast of every bill and paycheck, with funding plans that hold reserve floors and look past month-end.
03
Move with permission
Nothing moves until you approve. Every proposal, approval, and denial lands in an append-only audit trail.
Two deep scenarios
Built for the month, and for the big move.
Capital Studio
Major purchase funding
Compare cash, a tax-aware asset sale, and credit you already have. Hypothetical borrowing stays out of the feasible set.
$40,000.00 in 60 days · cash and a lot sale versus an existing 9.5% line
Safety by design
Models explain. Deterministic code decides. You approve.
No real transactions in the public demo
Fictional personas only. Simulated movements are labeled simulated. A missing credential stays “not configured.”
Every action needs your approval
Only a person can approve. Only a server gateway can execute. Execution stays withheld until a live Nessie acknowledgement. A missing credential stays not configured.
Every decision is auditable
Approvals, denials, and the reason sit beside the numbers they refer to. The log is append-only.
Designed for
Students and early-career professionals with more than one pile of money.
Internship or early-career income that does not line up with rent and card due dates. A card, some savings, maybe a taxable brokerage account. Liquidity is meant to coordinate them so a statement does not force an unnecessary sale, revolving interest, or a floor breach.
FAQ
- Is Liquidity a lender?
- No. Liquidity does not originate loans or take a credit offer. A hypothetical facility is labeled and cannot enter a feasible plan.
- Does it give tax advice?
- No. Liquidity estimates illustrative federal capital-gains tax on simulated sales (short-term at 22%, long-term at 15%, held over 365 days, losses offset gains in the same holding-period bucket, no refund for a net loss) and shows it in each option's cost and after-tax cash. It is not tax advice and ignores state tax, wash sales, and your bracket.
- Is it a brokerage?
- No. Liquidity does not place securities orders. Sales in the demo are not sent anywhere.