Tendi

Tendi is a personal finance advisor powered by AI, focused specifically on everyday money decisions. Instead of being a general-purpose chatbot, it’s trained on real-life scenarios like debt, loans, saving, investing, and planning major purchases.

Personal finance analysis

You describe your situation—income, debts, goals, and timelines. Tendi looks at how your spending, obligations, and plans affect each other, then turns that into clear recommendations focused on next steps and priorities.

From debt to long-term goals

Tendi helps you build an order of operations for your finances, including:

• Where to start with debt payoff
• How to set up an emergency fund
• When it may make sense to move from saving to investing
• How to plan for different goal types, from short-term purchases to retirement

Compared with general AI models

The creators claim Tendi performs better than ChatGPT, Claude, Gemini, and Llama specifically on personal finance tasks, due to its narrow specialization and more tailored calculations and explanations.