Your Personal Financial Advisor
You might be bad with money. We handle that.
Most people don't have a financial advisor. They're expensive, intimidating, and you only see them once a year. Nautilus is the advisor that runs 24/7, connects to your actual accounts, and tells you exactly what to do next — for $6 a month.
Sound Familiar?
The old way vs. the Nautilus way
✕Paying a financial advisor $200/hr
→
✓Nautilus Money at $6/mo does it automatically
✕Ignoring your finances and hoping for the best
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✓Knowing exactly where you stand, every day
✕"I think I have about $X in savings"
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✓Your real balance, updated this morning
✕Discovering a forgotten subscription on your statement
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✓Flagged and summarized before you even noticed
✕Wondering if you're saving enough for retirement
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✓A score, a gap, and a plan — all in one screen
✕Spreadsheets you stop updating after week two
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✓Everything automatic. Nothing to maintain.
Your Financial Score
Finally know if you're doing well — or just think you are.
The Nautilus Score grades your entire financial life on a single number. Not a credit score. A real measure of whether your money is working for you.
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8-component health score
Cash flow, emergency readiness, retirement pace, debt quality, net worth velocity, spending discipline, resilience, and organization — all weighted and scored.
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Peer benchmarks by income bracket
See how your savings rate, debt-to-income, and expense ratio compare to people in your income bracket. Finally answer "am I doing well?"
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Score history & trend
Track your score month over month. Watch it move as you make better decisions. Progress is motivating — we show it to you.
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Improvement action plan
Not just a score — a ranked list of the exact moves that will improve it most. Prioritized by impact, not difficulty.
Nautilus Score
74
out of 100
B+Strong
Top 38% of Nautilus users
Score Breakdown
Cash Flow81
Emergency72
Retirement65
Debt Health79
Your bracket · $75K–$100K
Savings Rate
avg 12%↑ 18%
Debt-to-Income
avg 25%↑ 22%
Expense Ratio
avg 85%↑ 79%
Bank Sync & Insights
Your money, explained. Without the spreadsheet.
Connect your accounts once and Nautilus Money automatically categorizes every transaction, detects every subscription, and flags anything that looks wrong.
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Automatic bank sync via Plaid
Every account — checking, savings, credit cards, investments, loans — in one place. Balances update automatically. No CSV uploads.
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Subscription & bill audit
We surface every recurring charge, including ones you forgot about. The average member finds $200+ in subscriptions they no longer use.
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AI-powered insights
Unusual spending, income changes, duplicate charges, high-fee months — flagged automatically before they become problems.
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Smart categorization
Transactions are categorized automatically using merchant intelligence. Rename, reclassify, or split — it learns your preferences.
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Unusual charge detectedAnomaly
DoorDash billed $89 — 3× your typical order. Worth reviewing.
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4 forgotten subscriptionsSubscriptions
Hulu, Headspace, Adobe CC, and a gym you haven't visited.
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Income is consistentIncome
Bi-weekly payroll is steady. Per-paycheck variance under 3%.
Planning & Goals
A plan for every dollar. Even the ones you haven't saved yet.
From getting out of debt to buying a house to retiring early — Nautilus maps the path, tracks the progress, and tells you when you're off course.
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Goal tracking
Set goals for anything — house down payment, vacation, emergency fund, early retirement. Nautilus calculates your monthly contribution target and tracks progress in real time.
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Debt payoff planner
Model avalanche vs snowball strategies. Adjust extra payments with a slider and watch your payoff date move. See exactly how much interest you'll save.
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Cash flow forecasting
Know what your bank balance will look like in 30, 60, and 90 days — based on your actual income schedule and recurring bills.
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Financial freedom projection
Your FI number, your estimated date, and how many years away you are — updated every time your income or spending changes.
Active Goals
House Down Payment$31,200 / $60,000
52% complete
Emergency Fund$14,400 / $18,000
80% complete
Vacation Fund$1,600 / $4,000
40% complete
Financial Freedom Projection
Age 51
14.3 years away · $1.2M FI number
Retirement & Net Worth
Are you on track for retirement? Now you'll actually know.
Most people have no idea if their retirement savings are on pace. Nautilus Money benchmarks against Fidelity targets for your age and shows the gap — clearly.
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Net worth tracking & trends
Every asset and liability in one number. Watch it grow month over month. See which accounts are driving the change.
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Retirement readiness score
Benchmarked against the Fidelity age-based multiplier — how much you should have saved at your age relative to your income. No guessing.
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Future wealth simulation
Three scenarios (conservative / expected / growth) projected 10 years out. Based on your actual net worth and monthly surplus.
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Asset allocation health
Too much in cash? Too little invested? We flag imbalances and show the 10-year cost of leaving money idle.
Net Worth
$171,000
↑ +$29K YTD
JanFebMarAprMayJun
Total Assets
$284,000
Total Debt
$113,000
The Bigger Picture
A real financial advisor costs $200/hr.
Nautilus Money costs $6/month.
Financial advisors are for people who already have money. Everyone else is left to figure it out alone. Nautilus Money exists to fix that — giving every household the same financial intelligence that used to cost hundreds of dollars an hour.
Always on
Your Nautilus Score updates every time your data changes. No appointment needed.
Connected to reality
Advice based on your actual accounts, not what you tell someone in an annual meeting.
Specific, not generic
Not "spend less." Exactly which subscriptions to cancel and how much that buys you toward retirement.
Find out your Nautilus Score.
Takes 2 minutes. See exactly where you stand — and what to fix first.
Get your free score →14-day free trial · Cancel any time · Premium from $12/month