Chase Checking $1,312.00
Zero $500
Hard Line $847
Mentra $1,047
Breathing Room $265 above Mentra

Three numbers.
Total financial clarity.

Mentra shows you your Zero, your Hard Line, and your Mentra — so you always know exactly where you stand before your next deposit.

Your three financial floors

Zero

The absolute minimum to keep your account alive. Below this, you're in freefall.

Hard Line

Every bill paid, every obligation met. This is survival with dignity.

Mentra

Hard Line plus your safety buffer. This is where breathing room begins.

Everything in its place

Per-Account Clarity

Every account has its own Zero, Hard Line, and Mentra. No more guessing which account can handle which bill.

Transfer Intelligence

Mentra detects when one account is over-funded and another is at risk. Calm suggestions, not alarms.

Net Worth Tracking

Assets, liabilities, and liquidity score. See the full picture with honest estimates.

Circles

Share the right data with the right people. Partner sees everything. Observer sees just your status.

Simple, honest pricing

Free

$0

  • 2 accounts
  • 3 bills per account
  • 30-day history
  • 1 Circle member
Get Started

Family

$7.99/month

  • Everything in Pro
  • Up to 5 household members
  • Shared accounts
  • Family dashboard
Get Started

Founding members: Pro for life at $2.99/month