Wake up to your complete financial snapshot.

0ct checks every bank account, credit card, and loan each morning and emails one clean summary — balances, changes, upcoming bills, and unusual activity.

Free · No credit card · Tweak everything before it runs

The questions it answers, every morning.

Q.What is my net cash position right now?

Q.What changed across all accounts since yesterday?

Q.Which credit cards or loans have payments due in the next 7 days?

Q.Was there any unusually large or unusual transaction overnight?

Q.Did any account drop below the threshold I set?

What lands in your inbox.

Sample brief

Daily Balances — Tuesday, Aug 5

Net cash position

•Net cash: $84,210 (-$1,840 vs yesterday)
•Operating: $52,400 · Reserves: $25,000 · Personal: $6,810
•Credit available: $42,300 across 4 cards

What changed

•Chase Operating: -$2,340 (payroll batch cleared)
•Amex Business: +$870 in new charges (3 transactions)
•Schwab Brokerage: +$1,120 (market gain, end-of-day)

Upcoming in the next 7 days

•Aug 7 — Amex Business statement closes (~$8.4K)
•Aug 9 — Mortgage autopay $4,210
•Aug 11 — AWS estimated $2,180

Unusual transactions

•Amex Personal — $1,290 at vendor 'STR_4421' (no prior history)

Low-balance warnings

•None today

Sources it connects to

Connect each account read-only. You control which sources every task can access.

Bank accounts — checking and savings, read-only
Credit card issuers — balances and statements
Loan and mortgage providers — balances and due dates
Brokerage and investment accounts — net positions
Manually entered accounts — cash on hand, foreign accounts

Rules you'd teach 0ct

Skills capture your team's definitions so every brief is calculated your way — not the AI's.

Which accounts count toward 'net cash' vs 'reserves' vs 'investments'
Low-balance threshold per account
What counts as an 'unusual' transaction (size, vendor, category)
Which currencies to convert and at what rate source
Whether to include pending or only cleared balances

Runs

Daily at 6:30 AM

Delivered to

Email each morning, plus SMS if any account drops below threshold

Start from the template. Tweak everything.

Open the prefilled task, point it at your sources, edit the rules, and pick when it should run. Your first brief lands tomorrow morning.

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