Cloud left background Cloud right background

Your money-saving
prodigy penguin

No apps. Just message Charlie and he'll get to work.

Charlie Intro Mobile
Hi. I’m Charlie!
I have some ideas to help you with $$$.
Sign Up For Free Psst! We're building Charlie 2.0

No app to download!
Just text me and I'll get started!

Charlie in the News

Charlie gets results
$50 million

Charlie is helping pay down $50 million in credit card debt!

$80/week

On average, Charlie's friends save an extra $80 per week!

3 days ago
Charlie is great! I thoroughly enjoyed getting financial advice from a cute penguin. He's already saved me $98/year.
Messenger Reviews
1 week ago
Very useful for keeping my finances in check no matter where I go.
Messenger Reviews
2 months ago
I love Charlie! I've cut some unnecessary bills and it's helping me get into perspective of how I need to organize my finances! Amazing!
Messenger Reviews
2 months ago
Cute little penguin 🐧! Makes it fun to track my spending.
Messenger Reviews
1 week ago
So useful and super cute!
Messenger Reviews
1 week ago
I love this app it’s helped me control my expenses and gives great advice
Messenger Reviews
3 weeks ago
Charlie is super helpful at reminding me to save money and helping me know where I’m putting my money
Messenger Reviews
2 weeks ago
Love this penguin 🐧
Messenger Reviews
6 days ago
This is the most useful financial tool I’ve used yet!
Messenger Reviews
3 days ago
So convenient, teaching me things about my spending I never noticed!
Messenger Reviews
Charlie puts your privacy first

Charlie uses the same
256-bit SSL encryption
that banks use

We insist on SSL for all
connections to our
website

Our privacy policy is
simple- we don't collect or share
your personal information

We never store or see
your bank account
credentials

You're in control of
how much information you
share

Charlie puts your
privacy first
lock-icon

Charlie uses the same 256-bit
SSL encryption that banks use

shield-icon

We insist on SSL for all
connections to our website

privacy-icon

Our privacy policy is simple-
we don't collect or share your
personal information

eye-icon

We never store or see your
bank account credentials

gear-icon

You're in control of how much
information you share

Reduce your bills

Are you getting the best deals out there?
Charlie makes sure you do.

Avoid extra charges

He's always paying attention,
making sure you never pay overdraft or late fees.

Track your spending

Charlie can tell you what you spend on groceries,
coffee or anything else. You might be surprised!

Save for something

Get out of debt or save for a vacation.
Charlie will get you there, one step at a time.

Charlie is...
Free

A team of engineers and scientists built Charlie to make this technology available to everyone.

Safe and secure

Charlie uses better security than banks do, and never shares your private information.

Not an app

Nothing to download, no apps to install, no subscriptions, nothing. Just text or chat.