Bonsai is a financial technology platform developing an AI-powered personal finance app designed to help people make informed decisions as their goals, income, and circumstances change. Its AI co-pilot, Lily, brings connected financial information together and offers timely prompts and AI-generated insights to help users plan their next steps. Through secure account connections using Plaid, users can view earnings, spending, savings, debts, and other parts of their financial picture in one place.

Bonsai’s tools are intended to help users set goals such as saving for a home or trip, paying off debt, building savings, or retiring earlier. The platform can create a personalized financial plan based on information users provide, with steps that can adapt as their finances change. Bonsai says it is building toward a broader offering that brings everyday money management together with investing, mortgages, and tax-related tools. The company promotes low, transparent pricing and currently invites users to request early access.