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Advice from your own numbers

Royal Advisor

It reads your statements and tells you what it sees: the loans you are repaying, the habits that build your wealth and the ones that quietly drain it. Plainly, with your numbers, and without ever deciding for you.

Start free See it in the demo

Royal Shield and Mini run on our own servers. The AI Royal Advisor only starts when you agree.

How it works

No forms to fill in about yourself. It starts from what your statements already say.

  • Bring your statements

    Import the files your bank lets you download, or connect a bank on Duke and King when bank sync opens.

  • It reads them

    Regular repayments, lenders, fixed amounts, delivery orders, fees, subscriptions, what stays of your income.

  • It asks you

    “Is this a loan?” Your yes or no is remembered, so it gets it right next time.

  • It tells you plainly

    What helps, what to watch and what costs you, with your Royal Standing from Squire to Sovereign.

What it reads

Health and donations are deliberately left out. Everything else is about what your money does, not who you are.

  • Loans and debtsMortgages, car loans, cards, student loans and buy now, pay later.
  • Eating out and ordering inHow often, how much, and whether it is growing.
  • SubscriptionsOverlapping services and price rises, with help to banish them.
  • Bank feesMoney that buys nothing.
  • What staysThe share of your income you keep.
  • Safety cushionHow many months your savings would carry you.
  • Shopping burstsWeeks well above your usual.
  • What is growingThe category that grew the most.
  • Payday and weekendsWhen most of your money goes.
  • Debt loadHow much of your income repayments take.

On every plan, and more on Duke and King

Every member gets Royal Shield. Duke adds Royal Advisor Mini; King adds Royal Advisor, the AI advisor.

Commoner

Royal Shield

  • Royal Shield: finds loans, asks you to confirm
  • Habits: helping, to watch, costing you
  • Your Royal Standing
  • What changing a habit could save
  • Quick answers to six questions
  • Royal Forecast
  • AI advisor: ask anything, in your words
  • Personal plans for goals and debts
  • Follows the conversation and your “what ifs”

Duke

Royal Advisor Mini

  • Royal Shield: finds loans, asks you to confirm
  • Habits: helping, to watch, costing you
  • Your Royal Standing
  • What changing a habit could save
  • Quick answers to six questions
  • Royal Forecast
  • AI advisor: ask anything, in your words
  • Personal plans for goals and debts
  • Follows the conversation and your “what ifs”

King

Royal Advisor

  • Royal Shield: finds loans, asks you to confirm
  • Habits: helping, to watch, costing you
  • Your Royal Standing
  • What changing a habit could save
  • Quick answers to six questions
  • Royal Forecast
  • AI advisor: ask anything, in your words
  • Personal plans for goals and debts
  • Follows the conversation and your “what ifs”

Paid plans are not on sale yet. Invite friends and you both get a month of Duke free. Invite friends

Built to be trusted

  • Royal Shield and Mini run on our own servers. The AI Royal Advisor gets a summary of totals only, never your name, account numbers or single payments.
  • It informs, it never decides: it does not move money, block anything or judge whether you can borrow.
  • It never recommends a lender, a card or an investment, and nobody pays us to be mentioned.
  • Health and donation spending are left out of the habit analysis.
  • You can switch it off at any time; unanswered questions are deleted at once.
  • Only you see what it finds. Our staff see only totals across all members.

Questions, answered

Is Royal Advisor an AI?

The full Royal Advisor on King is: it is an AI model that writes its answers from a summary of your figures, and it starts only after you agree. Royal Shield and Royal Advisor Mini are not; they work by rules and statistics we wrote, on our own servers.

Is it financial advice?

No. It describes your own past spending and does arithmetic with your numbers. It does not know your full circumstances and never recommends financial products. Decisions stay yours.

What if it gets a loan wrong?

Say no. It remembers and never asks about those payments again. You can change any answer later.

Do you use my habits for anything else?

No. Habits are worked out when you open Royal Advisor and are not stored. We never share them, sell them or use them for advertising or credit decisions.

Which plan do I need?

Royal Shield is free on Commoner. Habits, your Royal Standing, quick answers and the Forecast come with Duke, and the AI Royal Advisor with King. Invite friends to get them free.

Rule your money with an advisor at your side

Free to start. Royal Shield works from your first statement.

Start free