Everything you need, nothing you don't
Features that actually
make your life easier
No bloat. No confusion. Just the tools you need to feel confident about money decisions.
Chat with your money
Ask questions in plain English and get instant answers
Benefits
- No finance jargon—just normal conversation
- Follow-up questions welcome
- Instant responses in under 5 seconds
- Available 24/7, no waiting for support
Examples
"Can I afford $80 sneakers?"
"What did I spend on food this week?"
"Can I go out tonight?"
Chat with your money
Real-time sync
Your balance updates automatically the moment you spend
Benefits
- No manual entry—ever
- See transactions as they happen
- Works with 12,000+ banks
- Syncs every few hours automatically
Examples
Buy coffee → Balance updates instantly
Get paid → See it in your account right away
Bill gets charged → Comfy knows immediately
Real-time sync
Safety buffer protection
We always keep a cushion so you're never cutting it too close
Benefits
- Customizable buffer amount (default: $200-300)
- Factors into every purchase decision
- Prevents "oops, I'm overdrawn" moments
- Smart enough to adjust based on your habits
Examples
You have $500, buffer is $200 → Comfy says you have $300 to spend
Emergency? Override the buffer if needed
Buffer adjusts based on your comfort level
Safety buffer protection
Smart spending insights
Understand where your money goes without the judgment
Benefits
- See patterns in your spending
- No rigid budgets or categories
- Week-over-week comparisons
- Context-aware suggestions
Examples
"You spent $127 on food this week, up from $94 last week"
"Your subscriptions cost $67/month"
"You usually spend $300-400 on groceries"
Smart spending insights
Bill tracking
We remember your recurring bills so you don't have to
Benefits
- Automatic bill detection
- Upcoming bill warnings
- Factors bills into spending decisions
- Never forget rent or subscriptions again
Examples
Rent ($1,200) due in 3 days
Netflix ($15) charges tomorrow
Your phone bill ($45) is coming up next week
Bill tracking
Smart notifications
Get alerts that actually matter (not spam)
Benefits
- Low balance warnings
- Large purchase alerts
- Unusual spending notifications
- Customize what you want to hear about
Examples
"Your balance is getting low—$230 left after bills"
"That $150 charge from Amazon is higher than usual"
"Rent is due in 2 days"
Smart notifications
And there's more
The little things that make a big difference
Lightning fast
Get answers in under 5 seconds
Free forever
No hidden fees, no premium tiers
Bank-level security
Your data is encrypted and protected
No ads ever
We don't sell your data or show ads
Why Comfy is different
We're not just another budgeting app
Other finance apps
- ✗Force you into rigid budgets
- ✗Make you feel guilty about spending
- ✗Require manual categorization
- ✗Show you numbers, expect you to figure it out
- ✗Charge monthly fees or show ads
Comfy
- ✓Ask questions, get answers—no budgets required
- ✓Zero judgment, just helpful information
- ✓Everything syncs automatically
- ✓AI explains the "why" behind every answer
- ✓Free forever, no ads, no upsells