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A new era for your money.

Era is a financial platform that brings your accounts, documents and agents together to find savings and take routine work off your hands.

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Start free with Claude or ChatGPT. Two connected financial accounts. No credit card required. Era’s money-management tools are in early access — join the waitlist.

Fictional product example. Fictional Era workspace for Lina, showing connected accounts, bills, cards, investments and documents. For this bill question, Era reads a checking balance of US$5,450 and US$2,800 of recorded bills due Oct 1, 2026–Oct 4, 2026, leaving US$2,650 before other spending. The other displayed source categories do not enter this calculation. Asking the question grants no permission to move money. Savings: US$12,500. Updated Sep 28, 2026 Example external accounts: BMO · Checking and BMO · Savings.

Multiplayer financial context

Connect your assistant to your money.

Connect Claude, ChatGPT, Muse by Meta, Instinct or Poke to your money with MCP or API access.

Era in Claude

Era Context’s public listing in Claude, with the Sign in to add button.

Era in ChatGPT

Era Context’s public listing in ChatGPT, with the Install plugin button.
Add to ClaudeAdd to ChatGPT

Start free with Claude or ChatGPT. Two connected financial accounts. No credit card required. Era’s money-management tools are in early access — join the waitlist.

Your document library

Keep your financial documents in one place.

Keep bills, leases, insurance and mortgage documents together, linked to the accounts, payments and property they explain.

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A lease linked to a rent payment.

Fictional product example. Fictional private document library for Noor. It contains a lease agreement, renters insurance, an electric bill and a water bill. The selected lease is dated Sep 1, 2025 and records US$2,400 monthly rent for Oct 1, 2025 to Sep 30, 2026. It is linked to the rental property, a selected checking account and the US$2,400 rent payment dated Sep 1, 2026. Only Noor has access in this example. This is a personal library, separate from the later shared housing conversation; no additional records are shared and no payment is authorized. Example external accounts: BMO · Checking.

Mortgage documents linked to a home and loan.

Fictional product example. Fictional private document library for Maya. It contains mortgage closing documents, home insurance, an electric bill and a water bill. The selected mortgage closing documents are dated Mar 19, 2026 and linked to Maya’s home and a selected mortgage account. The mortgage amount, interest rate and property value are not shown. Only Maya has access in this example. No payment, loan application or new sharing is authorized. Example external accounts: BMO · Mortgage account.

See what was inside a purchase.

Fictional product example. Fictional purchase example. An Amazon transaction for US$58.49 matches a linked Amazon order: a USB-C hub for US$39.99 and printer paper for US$18.50. The assistant’s answer uses these retailer order details. The order items are read-only. This linked Amazon order shows a USB-C hub for US$39.99 and printer paper for US$18.50. The items total US$58.49 and match the transaction on BMO · Checking. Retailer connections are available in the US. Supported connections and records vary.

Give your money guardrails

Fewer financial mistakes.

See which card to use, which balance to pay first and what to keep for bills.

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Choose a card before you spend

Fictional product example. Fictional purchase-interest comparison based on linked account agreements, statements and payment history. Card ••9024 has an established active purchase grace period: its reviewed payment history meets the agreement conditions, including full payment of its last statement by the due date. Avoiding interest on this purchase requires paying the full statement balance containing it by that statement’s due date. Card ••6108 carries a balance, has no active purchase grace period and, under its fictional agreement, charges interest on new purchases from the purchase date. This comparison excludes rewards, foreign-currency fees, other fees, protections, affordability, cash advances and transfers. These are illustrative account terms, not claims about the displayed institution’s real products. No purchase or payment has been made. Example external accounts: BMO · Card ••9024 and BMO · Card ••6108.

Choose the card to pay first

Fictional product example. Fictional interest-only comparison after recorded bills and both minimum payments are covered. Card ••2810 has US$4,800 of revolving principal at an example 24% annual rate; Card ••8842 has US$2,000 at 18%. Both balances already accrue interest, have no active purchase grace period and have one rate bucket each. The starting snapshot is after required payments and earlier accrued charges have settled. The extra US$600 would reduce principal in full at the start of the same 30-day interval. Each alternative is compared with the same card without that extra payment; no other postings are modeled. Using fixed rates and simple Actual/365 interest, this could avoid US$11.84 on Card ••2810 or US$8.88 on Card ••8842. These are marginal interest reductions, not total interest due or completed savings. No new purchases, fees, compounding, promotional or deferred-interest balances are included. The fictional APRs are not claims about the displayed institution’s real products. Neither extra payment has been approved or completed. Example external accounts: BMO · Card ••2810 and BMO · Card ••8842.

Before moving money

Fictional product example. Fictional decision for Lina. Moving US$3,000 out of US$5,450 in checking would leave US$2,450. Recorded unpaid bills total US$2,800, due Oct 1, 2026–Oct 4, 2026, so the proposed transfer would leave a US$350 shortfall. The assistant recommends keeping the cash for those bills. This is a hypothetical calculation; no transfer is approved or completed. Rent · Due Oct 1, 2026: US$1,400; Card statement · Due Oct 2, 2026: US$1,050; Electricity · Due Oct 3, 2026: US$230; Internet · Due Oct 4, 2026: US$120. Recorded Sep 18, 2026 Example external accounts: BMO · Checking.

Transfer and bill calculation

Fictional product example. These fictional bills were recorded by Lina. The calculation checks this proposed transfer against those unpaid bills; other spending is not included. Bills confirmed by Lina on Sep 18, 2026. These are not provider payment confirmations. Rent · Due Oct 1, 2026: US$1,400; Card statement · Due Oct 2, 2026: US$1,050; Electricity · Due Oct 3, 2026: US$230; Internet · Due Oct 4, 2026: US$120. US$5,450 checking − US$3,000 proposed transfer = US$2,450 left. US$2,450 left − US$2,800 in bills = US$350 short. This calculation does not save a target, create a monitor or schedule a transfer. Example external accounts: BMO · Checking.

You're not alone

Get help with the big decisions.

Have your agent compare the options, explain what changes the answer and show how the decision plays out over time.

Fictional product example. Fictional housing comparison for Noor and Sam. Their linked rent payments are US$2,400 a month from Apr 1, 2026 through Sep 1, 2026. The lease proposes US$2,520 from Oct 1, 2026, an increase of US$120 a month or US$1,440 over a full year, with a reply due by Sep 30, 2026. Those records are distinct from the illustrative purchase and future-cost assumptions. The modeled rental and purchased homes are assumed to be comparable. The purchase example uses a US$360,000 home, US$72,000 down, a US$288,000 mortgage at a fixed 6% over 30 years, and US$10,800 of buying costs. The displayed monthly mortgage payment is US$1,726.71. Selling costs are 6% of the home price, which stays flat. Each option starts with the same US$82,800 and receives the same monthly housing budget, set to the higher housing cost that month. The cheaper option invests the difference. Renting keeps the initial cash invested; buying spends it on the down payment and purchase costs. Tax, insurance and maintenance total US$9,000 in year one and rise 3% a year; rent rises 3% a year. Unspent cash earns an assumed 4.5% effective annual return. The chart compares invested cash when renting with proceeds from selling the home after selling costs and the remaining mortgage, plus invested surplus when buying. After 3 years, renting leaves US$94,488.56 and buying leaves US$65,340.50, a US$29,148.06 advantage for renting. After 10 years, renting leaves US$128,585.87 and buying leaves US$139,633.92, a US$11,048.05 advantage for buying. Buying first leads in month 106 under these assumptions. If rent stays flat instead, renting leads by US$39,827.53 after 10 years. Calculations retain full precision and round the displayed figures. All results are nominal and before income-tax effects. No income-tax effects, special property-tax relief, homeowners association fees, refinancing or mortgage insurance are modeled. Equal utilities and other living expenses are excluded from both options. These are illustrative estimates, not a real mortgage quote or a forecast of market rates or returns. Apr 1, 2026: US$2,400.00; May 1, 2026: US$2,400.00; Jun 1, 2026: US$2,400.00; Jul 1, 2026: US$2,400.00; Aug 1, 2026: US$2,400.00; Sep 1, 2026: US$2,400.00. Years until you move 1: Renting US$86,526.00, Buying US$54,466.84; Years until you move 2: Renting US$90,419.67, Buying US$59,425.91; Years until you move 3: Renting US$94,488.56, Buying US$65,340.50; Years until you move 4: Renting US$98,740.54, Buying US$72,277.57; Years until you move 5: Renting US$103,183.86, Buying US$80,307.92; Years until you move 6: Renting US$107,827.14, Buying US$89,506.43; Years until you move 7: Renting US$112,679.36, Buying US$99,952.24; Years until you move 8: Renting US$117,749.93, Buying US$111,728.99; Years until you move 9: Renting US$123,048.68, Buying US$124,925.09; Years until you move 10: Renting US$128,585.87, Buying US$139,633.92. Example external accounts: BMO · Checking.

Dialable autonomy

Delegate decisions to your Era.

Let Era find ways to save, prepare the next action and bring you a plan to approve, without waiting for you to ask.

Start free with your own agent. Era’s paid money-management tools check for opportunities and run the routines you authorize.

Money-management, shared-workspace and advisor tools are in early access. Join the waitlist.

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Fund the bills ahead

Fictional product example. Fictional proposal for Lina. Checking of US$5,450 less US$2,800 in recorded bills leaves US$2,650, which is US$350 below the chosen US$3,000 cushion. A proposed US$350 transfer from savings to checking would leave checking at US$5,800, cash after bills at US$3,000 and savings at US$12,150, above the chosen US$10,000 minimum. This view shows a proposal awaiting approval, not a completed transfer. Without transfer: Sep 28, 2026: US$5,450; Sep 29, 2026: US$5,450; Oct 1, 2026: US$4,050; Oct 2, 2026: US$3,000; Oct 3, 2026: US$2,770; Oct 4, 2026: US$2,650. If approved: Sep 28, 2026: US$5,450; Sep 29, 2026: US$5,800; Oct 1, 2026: US$4,400; Oct 2, 2026: US$3,350; Oct 3, 2026: US$3,120; Oct 4, 2026: US$3,000. Example external accounts: BMO · Checking and BMO · Savings.

Transfer receipt

Fictional product example. Later state in the same fictional example. Lina approved the US$350 transfer on Sep 29, 2026, and it completed on Sep 30, 2026. Checking is US$5,800 and savings is US$12,150. The US$2,800 in recorded bills are still unpaid, so cash after those bills is US$3,000. This one-off approval does not authorize future transfers. Example external accounts: BMO · Checking and BMO · Savings.

Compare the cost of debt

Fictional product example. Fictional comparison for Malik. Cash after the next 14 days of recorded bills is US$2,340. An extra US$600 card payment would leave US$1,740, above the chosen US$1,500 cushion. The card balance is US$4,800 at 24% APR. Over 30 days, paying US$600 could avoid US$11.84 of card interest; saving it at the example 4% annual rate could earn US$1.97. These simple estimates assume no new spending, fees, rate changes or compounding. Minimum payments and the recorded bills remain covered. No payment is approved or completed. Example external accounts: BMO · Checking and BMO · Savings. Example external accounts: BMO · Current card balance.
Start free with your agent 

See Era’s results

See what Era earned and saved you.

Era handles the approved moves that earn savings interest and reduce card interest, so you have fewer money chores.

Fictional product example. Fictional four-week example for Maya, from Aug 26, 2026 to Sep 23, 2026. Both paths start with US$28,000 in checking, no savings and US$6,000 of revolving card principal. Both include US$4,800 of pay and US$3,800 of ordinary spending. In the illustrated action history, Era suggests two actions and Maya approves each separately: US$16,000 moves to an existing higher-yield savings account on Aug 27, 2026, and the full card payoff of US$6,027.62, including US$27.62 of accrued interest, posts on Sep 2, 2026. The hypothetical comparator makes neither additional action. At the fixed closing date, savings interest earned is US$53.26 and card interest avoided is US$82.85. Net across the three accounts, including accrued interest, is US$22,889.53 without additional actions and US$23,025.64 after the approved actions: US$136.11 better off. Transferred and repaid principal do not count as gains. Savings interest is accrued, not yet credited. Rates are hypothetical and fixed: 0% checking, 4.5% simple annual savings and 24% simple annual card interest, calculated on daily principal over 365 days without compounding. There are no fees, new card purchases, investment contributions or market changes. Figures are before tax; no tax effect is modeled. The prior required card payment was settled before the window and the next is due after it. No recurring authority is granted. Example external accounts: BMO · Checking, BMO · Higher-yield savings and BMO · Card balance. US$16,000 moved to higher-yield savings: Maya approved Aug 26, 2026; Posted Aug 27, 2026. Card paid off · US$6,027.62: Maya approved Sep 1, 2026; Posted Sep 2, 2026. No additional actions · Hypothetical: BMO · Checking: US$29,000.00; BMO · Higher-yield savings: US$0.00; BMO · Card balance: US$6,110.47. After Maya's approved actions: BMO · Checking: US$6,972.38; BMO · Higher-yield savings: US$16,053.26; BMO · Card balance: US$0.00. No additional actions · Hypothetical: Aug 26, 2026: US$0.00; Aug 27, 2026: -US$3.95; Sep 2, 2026: -US$27.62; Sep 9, 2026: -US$55.23; Sep 16, 2026: -US$82.85; Sep 23, 2026: -US$110.47. After Maya's approved actions: Aug 26, 2026: US$0.00; Aug 27, 2026: -US$3.95; Sep 2, 2026: -US$15.78; Sep 9, 2026: -US$1.98; Sep 16, 2026: +US$11.83; Sep 23, 2026: +US$25.64.

Ongoing help

Leave the routine to Era.

Choose the accounts and limits once. Era runs the approved routine without a new prompt, and asks you when something needs your attention.

Keep the bills funded without checking every account yourself.

Fictional product example. Fictional routine for Lina, approved on Sep 30, 2026 after a separate one-off transfer. It aims to keep cash after recorded bills between US$3,000 and US$5,000, preserve at least US$10,000 in savings, move at most US$1,000 per transfer and at most US$2,000 each month. On Oct 7, 2026, checking of US$8,700 less US$3,000 of upcoming bills left US$5,700. The rule moved US$700 from checking to savings, leaving checking at US$8,000, savings at US$12,850 and cash after bills at US$5,000. Monthly use is US$700. On Oct 14, 2026, stale account data prevented another run. Tuition · Due Oct 12, 2026: US$2,100; Insurance · Due Oct 15, 2026: US$900. Sep 28, 2026, 10:00 a.m.: US$2,650; Sep 30, 2026, 10:00 a.m.: US$3,000; Oct 7, 2026, 9:00 a.m.: US$5,700; Oct 7, 2026, 10:00 a.m.: US$5,000; Oct 14, 2026, 10:00 a.m.: Account data needs updating. Example external accounts: BMO · Checking and BMO · Savings.

Shared decisions

Work on money together.

Bring your people and agents into the same conversation. Each person chooses the records they share.

Fictional product example. Fictional shared conversation for Noor and Sam, with invited advisor Priya and an Era agent. Noor contributes 6 rent transactions, the lease and the renewal notice. Sam contributes 3 utility transactions: 9 selected transactions and 2 documents in total. Other records remain private. The advisor asks them to include moving costs and the planned length of stay. The earlier comparison used illustrative purchase assumptions. The agent identifies US$1,440 in extra yearly rent and creates a task to replace those assumptions with the price of a home they are considering and an actual mortgage quote. No person grants access to their other records by joining this conversation, and no payment is authorized. Noor: Example external accounts: BMO · 6 rent payments. Sam: Example external accounts: BMO · 3 utility payments.

Works with your existing human

Put a human advisor's strategy to work.

Bring your advisor into the conversation, or follow an advisor's strategy on Era. Let agents prepare the changes for you to review together.

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Prepare a client's plan with their advisor

Fictional product example. Fictional client review prepared by advisor Priya for Elise. The client shared the dated holdings, contribution and instruction for account ••7008 with the advisor and Era for this review; other accounts are excluded. The account increased from US$20,000 to US$25,000 after a US$5,000 contribution, with US$0 market change. It holds US$14,000 in stocks, US$6,000 in bonds and US$5,000 in cash. The contribution is not investment return. The advisor's 60% stock / 40% bond instruction produces a proposal to add US$1,000 to stocks and US$4,000 to bonds. The advisor has reviewed that proposal and it is ready for the client's review. No trade has been approved or completed. Example external accounts: BMO · Elise's investment account · ••7008.

Follow a strategy on Era

Fictional product example. Alternative fictional example for Elise. The owner selected version 1 of advisor Avery's Balanced allocation strategy for account ending ••7008. The account has US$14,000 in stocks, US$6,000 in bonds and US$5,000 in cash after a US$5,000 contribution. The 60% stock / 40% bond target would use the cash to add US$1,000 to stocks and US$4,000 to bonds. Following the candidate strategy does not approve these trades. No order is submitted or completed; this is not a performance record or guaranteed result. Example external accounts: BMO · Elise's investment account · ••7008.

Business owners

For the business you run, too.

Have agents check a supplier invoice and show the cash left after your other recorded commitments.

Fictional product example. Fictional supplier-payment review for Rowan, owner of Rowan Studio. At Sep 21, 2026, 10:00 a.m., Northline invoice INV-2041 for monthly operations support is US$2,480, due Sep 25, 2026. Its amount matches the selected July and August invoices (INV-2029 and INV-2035), and its payee details match the saved payee ••8842. No matching payment was found in two permitted cash accounts and scheduled payments through the snapshot; this does not cover unshared records. Checking ••5540 contains US$18,420. Other recorded commitments of US$4,100 exclude this invoice. Paying US$2,480 would leave US$11,840 after those recorded commitments, before other unrecorded spending. Personal records are excluded. The review is prepared for the owner, who must confirm the service and separately approve the payment. No payment has been approved or sent. Example external accounts: BMO · Business checking ••5540.

For family offices, too

Run your family office from one financial workspace.

Bring the accounts, entities, documents and people into one place, with access suited to each person's work.

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Find the agreement for an investment

Fictional product example. Fictional Finch family office workspace with 240 connected accounts across 12 entities. Ari is the principal, Devon handles selected property records, and advisor Elena has selected investment access. The Maple Court property is linked to Finch Property LLC and the Maple Court operating agreement. Section 4.2 requires a US$75,000 operating reserve and manager approval before quarterly distributions. Era creates a reserve-check task for Devon that needs current cash figures. No distribution amount is calculated or approved. Search the entire document archive. Which agreement sets the distribution terms for Maple Court property? Found in Maple Court operating agreement · clause 4.2. The list shows 4 example accounts across 2 of the office’s 12 entities. Finch Property LLC is selected; Finch Family Trust is not. These accounts are part of the office’s 240 connected accounts. Their balances are not shown. Finch Property LLC: Example external accounts: BMO · Checking ••3408 and BMO · Property loan ••8102. Finch Family Trust: Example external accounts: BMO · Investments ••5624 and BMO · Checking ••9012.

Set each person’s access

Fictional product example. Fictional Finch family office access settings. Ari administers the office, Devon has selected property-record access for Finch Property LLC, and Elena has selected investment-record access for Finch Family Trust. Each person has a separate seat. Unselected records stay private; these selections do not authorize money movement.

Your control

Choose how much Era takes on.

Approve actions one by one, or let a routine run within your limits. Change those limits or pause the routine whenever you need.

Connecting an assistant does not give it permission to move money.

We make money from subscriptions, not from selling your data.

Questions about access? 
Fictional product example. Fictional activity history for Lina. An Era agent used selected checking, savings and recorded bills under the routine approved on Sep 30, 2026. It aims for US$3,000–US$5,000 after bills, at least US$10,000 in savings, no more than US$1,000 per transfer and US$2,000 in total monthly transfers. The US$700 checking-to-savings transfer completed on Oct 7, 2026, leaving US$5,000 after recorded bills and US$12,850 in savings. On Oct 14, 2026, a check was held because account data was stale, and the owner paused the routine. Pausing stops future runs but does not reverse the completed transfer. Connecting an assistant alone does not create this authority. Last completed transfer: US$700. Maximum per transfer: US$1,000. Routine transfers this month: US$700. Monthly limit: US$2,000. Example external accounts: BMO · Checking and BMO · Savings.

FAQs

Questions about getting started.FAQs

Era helps you bring agents into the work of managing your money. Today, you can connect two financial accounts to Claude, ChatGPT or another compatible assistant for free. Era’s paid money-management tools provide proactive checks, approved actions and routines, plus shared workspaces and human-advisor tools. Those tools are in early access; join the waitlist.

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Make room for the rest of your life.

Start with two connected accounts, free. Get help with today's money questions, and join the waitlist for routine money management.

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Era Financial Advisors LLC is an SEC-registered investment adviser (CRD #334404). Registration does not imply a certain level of skill or training. Investment advisory services are discretionary and AI-assisted; they are not a substitute for personalized financial advice. Brokerage and custodial services are provided by Alpaca Securities LLC, a separate entity and member of FINRA/SIPC. Era Thesis and Era Agency accounts are currently available to US residents only; Era Context connects accounts across the US, the UK, Canada, France, Germany, Spain, and 40+ countries in all. Nothing on this website is an offer or solicitation to buy or sell securities. Past performance does not guarantee future results. Please review our Form ADV and Form CRS before investing.

Features vary by country. Bank linking for advice generation is available in 40+ countries. Money transfers and portfolio rebalancing are available in private beta; join the waitlist to be one of the first to benefit.

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