Best AI Budgeting Tools Compared: Pricing & Privacy

The best AI budgeting tool depends on how you budget, who shares your finances, and how much account data you are willing to share. This guide names no single winner. It sorts eight tools by use case and shows where each one falls short. Pricing below comes from each provider's own pages as of October 2026 unless noted.

What Is an AI Budgeting Tool, and How Does It Work?

An AI budgeting tool is a budgeting app or service that uses automation, machine learning, or generative AI to categorize spending, forecast cash flow, flag subscriptions, or answer questions about your finances in plain language. Most connect to bank and card accounts through third-party data aggregators. Some accept manual entry or file imports instead.

Four points matter before you compare apps:

• "AI" is a marketing label. Features range from simple rules, to machine-learning categorization, to chat assistants. Do not treat "AI-powered" as automatically better.

• AI can be wrong. Categories and forecasts need your review. Treat suggestions as prompts, not guidance.

• No tool guarantees savings or better outcomes. Results depend on your behavior.

• Connecting accounts means sharing sensitive data with a third party. Practices differ by company.

How do budgeting apps connect to your bank?

Most apps use an account aggregator, a third-party service that imports your transactions and balances. You sign in through the aggregator, and the app is supposed to receive data without storing your bank login. Connections can break or lag when a bank changes its systems, and supported institutions vary by app. Some tools, such as Actual Budget, use optional bank-sync services or manual import instead.

How does AI categorization work, and why does it miscategorize?

Categorization software matches merchant names and amounts to categories, then adjusts as you correct it. It errs on vague merchant names, split purchases, and one-off charges. The fix is to correct a transaction once and create a rule so the same fix repeats. Review new transactions weekly during the first month.

How do forecasts and chat assistants work?

Forecasts project future balances from past patterns and scheduled bills. They fail with irregular income and annual bills. Generative AI assistants answer questions by drawing on your connected data, and they can produce confident but wrong answers. Check any figure that drives a decision against your actual statements.

How We Evaluated These Tools

This comparison is based on official documentation and secondary reporting, not hands-on testing. Research and price verification took place in October 2026. We read each provider's pricing page, security or privacy page, and help or blog content where available. We did not open accounts, link banks, or test accuracy. Where an official page did not state a fact, the tables say "Verify" rather than guess. This article contains no affiliate links or referral codes, and no company paid for inclusion.

Inclusion criteria: available to U.S. consumers; actively maintained as of October 2026; budgeting or spending tracking is a core function; public pricing and privacy information exists; some automation or AI can be described from official materials. One tool without AI (Actual Budget) is included as a privacy-focused alternative.

Criteria we used: AI and automation features; budgeting-method flexibility; account connectivity; price and value; documented privacy and security; ease of use (documentation only); shared access; platforms; cancellation and data-deletion clarity; and reported drawbacks. We use qualitative notes instead of numeric scores, because scores would imply precision we do not have.

Ordering: profiles are grouped by use case. Order does not imply rank. We name no "best overall," because our criteria point to different tools for different people.

Caveat on vendor claims: statements such as "bank-level security" or "read-only" describe the vendor's own practices. They are not independent audits.

The Best AI Budgeting Tools, by Use Case

Best for households sharing finances: Monarch

• What the AI/automation does: Monarch's security page says it uses AI with minimal data, that third-party model providers do not retain data or train on it, and that it has enterprise agreements to that effect. Secondary coverage describes an AI assistant, insights, and a weekly recap. Confirm which plan includes which feature.

• Pricing (Oct 2026): Core is $99.99/year or $14.99/month. Plus is a higher tier adding forecasting, multiple income sources, and deeper investment tools; check its price on the pricing page. The page advertises a free first week and a money-back guarantee.

• Account connections: Through third-party data providers. Monarch says it does not store your bank credentials. Web, iOS, and Android are linked from its pages.

• Privacy and security: Monarch states that it has read-only access, that money cannot be moved from within the app, and that it supports two-factor authentication. It describes itself as SOC 2 certified, which is a vendor statement.

• Strengths: shared-household features reported by secondary sources; forecasting on Plus; documented AI-data policy.

• Limitations: no permanent free tier; connection failures are widely reported in reviews.

• Look elsewhere if: you want a free tool or a one-time purchase.

Best for Apple users who want automatic tagging: Copilot Money

• What the AI/automation does: Copilot says its AI learns your spending patterns and tags transactions automatically. Its pages also describe subscription spotting, rollover budgets, and cash-flow charts. The homepage links to a money assistant; check its current availability.

• Pricing (Oct 2026): $95/year or $13/month, with a 1-month free trial advertised.

• Account connections: Per Copilot's help center, as summarized by secondary sources, it uses several aggregators and supports U.S. institutions only.

• Privacy and security: The homepage says "no ads, no hidden fees" and that your data stays private. Review its privacy policy for retention and deletion terms.

• Strengths: automatic tagging; subscription tracking; investments and net worth in one view.

• Limitations: official page lists iPhone, iPad, Mac, and web only; no free tier beyond the trial.

• Look elsewhere if: you use Android or need coverage outside the U.S.

Best for subscription clean-up: Rocket Money

• What the AI/automation does: The free tier detects subscriptions and categorizes transactions by default. Premium+ includes Rowan, an assistant you text. Rocket Money says Rowan can answer spending questions, fix categories, and help cancel eligible subscriptions or negotiate certain bills. It also says some Rowan capabilities are still rolling out.

• Pricing (Oct 2026): Free; Premium is "pay what you think is fair," typically $7–$14/month; Premium+ is $15/month. On Free and Premium, bill negotiation costs 35%–60% of first-year savings. Rocket Money says cancellations by its team usually take 2–10 days. Verify against its current pricing page, since its detailed article is dated January 2026.

• Account connections: Through Plaid, per Rocket Money. iOS and Android apps; web access is a Premium feature.

• Privacy and security: Rocket Money says it does not store bank credentials and describes SOC 2 Type II certification and 256-bit encryption. These are vendor statements.

• Strengths: a usable free tier; action-taking features; unlimited budgets on paid tiers.

• Limitations: the AI assistant requires the top tier; success fees apply to negotiation below Premium+.

• Look elsewhere if: you want detailed budgeting without paying for subscription services.

Best for lower-cost forecasting: Quicken Simplifi

• What the AI/automation does: Simplifi advertises automatic categorization, a spending plan that adjusts as you spend, and projected cash flow with what-if scenarios. Quicken Assist is a chat that uses your own data. Quicken labels it a beta feature and says it is educational, not tax, investment, or legal advice.

• Pricing (Oct 2026): The product page shows $3.99/month billed annually (first-year offer, struck against $6.99/month). It says the subscription renews automatically at the then-current rate.

• Account connections: Quicken says it connects to over 14,000 institutions (vendor claim). Web and mobile. Not designed to function outside the U.S. and Canada.

• Privacy and security: The aggregator is not named on the page we reviewed. Check Quicken's privacy policy.

• Strengths: low entry price; method flexibility (zero-based, envelope, 50-30-20); forecasting.

• Limitations: AI chat is beta; sharing is limited to one other person.

• Look elsewhere if: you need larger household sharing.

Best for chat-first coaching: Cleo

• What the AI/automation does: Cleo is built around a conversational assistant. Secondary sources describe a free chat tier with memory and voice on higher tiers; verify tier details.

• Pricing (Oct 2026): Free; Plus $5.99, Pro $8.99, and Builder $14.99 per month, per secondary sources that checked Cleo's pricing page. Express transfer fees may apply.

• Account connections and privacy: Verify on Cleo's current privacy policy.

• Strengths: low barrier to start; conversational format.

• Limitations: much of the product centers on cash advances and credit features, not budgeting depth. In March 2025 the FTC announced a $17 million settlement over allegations that Cleo misled consumers about advance amounts and speed and made cancellation difficult. The order requires clear subscription disclosures and simple cancellation.

• Look elsewhere if: you want a full budgeting dashboard or want to avoid cash-advance products.

Best for budgeting, investing, and AI Q&A together: Origin

• What the AI/automation does: Origin's AI Advisor answers questions using your connected data, according to Origin. It is a broader platform that includes investment and planning tools.

• Pricing (Oct 2026): Origin's blog states $99/year or $12.99/month with a 7-day trial. Other sources report a $1 first-year promotion and different trial terms. Confirm on its site.

• Account connections: Origin says it uses Plaid, MX, and Finicity.

• Privacy and security: Origin says it does not sell your financial data. Review its legal pages.

• Strengths: one subscription covers spending, net worth, and AI questions; partner access is listed.

• Limitations: it holds more of your financial picture, which raises the stakes of a data incident; AI answers still need checking.

• Look elsewhere if: you only want simple spending tracking.

Best for hands-on zero-based budgeting: YNAB

• What the AI/automation does: We could not verify AI features from official pages. Secondary sources conflict, with some describing rule-based auto-assignment and others describing AI coaching. Treat YNAB as a method-first tool.

• Pricing (Oct 2026): $109/year per YNAB's pricing page. Secondary sources report $14.99/month. The page advertises a 34-day trial without a card when you sign up on its website, and a free year for college students.

• Account connections and privacy: Verify on YNAB's help center and privacy policy.

• Strengths: a structured method; a long trial.

• Limitations: the method takes effort; AI features are unverified.

• Look elsewhere if: you want hands-off tracking.

Best privacy-focused option without AI: Actual Budget

• What it does: Actual is a local-first, open-source envelope-budgeting app. Its site describes multi-device sync, optional end-to-end encryption, and optional bank sync through GoCardless (EU/UK) and SimpleFIN (US/Canada). We found no AI features documented.

• Pricing: The software is free and open-source. Self-hosting or a paid host may add costs.

• Strengths: you control your data; works offline.

• Limitations: setup effort; bank sync depends on third-party services.

• Look elsewhere if: you want a polished, managed service with support.

Feature Comparison Table

This table shows only what we could confirm from official or clearly attributed pages. "Verify" means we did not confirm it.

Pricing and Value: What Do They Cost?

Some tools are free, some charge a subscription, and some earn money through other fees. Rocket Money, for example, charges a share of savings on bill negotiation. Cleo's paid tiers are tied to cash advances and credit products. Free tools often depend on other revenue, so read how each one makes money.

• Annual vs. monthly: Paying monthly costs more over a year. For Monarch Core, $14.99 x 12 is $179.88, versus $99.99 billed annually. For Copilot, $13 x 12 is $156, versus $95.

• Trials: Lengths differ, from about a week at Monarch to 34 days at YNAB. Check whether a card is required before you start.

• Auto-renewal: Simplifi's page says it renews at the then-current rate. Set a calendar reminder before any trial or first-year offer ends.

• Cancellation rules are unsettled. The FTC's 2024 "click-to-cancel" rule was vacated by the Eighth Circuit in July 2025 on procedural grounds. In March 2026 the FTC issued an advance notice of proposed rulemaking to revisit the Negative Option Rule. The FTC still brings subscription cases under other laws, as in the Cleo settlement. Do not assume a one-click cancellation right exists. Check the cancellation steps before you pay, and cancel through the same store (web, Apple, or Google) where you signed up.

• A value test: List the three features you would use weekly. If a cheaper tool covers them, the extra price buys little.

Are AI Budgeting Apps Safe? Privacy, Security, and Your Rights

Using a budgeting app means sharing sensitive financial data. Safety depends on the company's practices and on your own habits, and no app is risk-free. Vendor statements about encryption or "bank-level security" describe their own practices, not independent audits.

What to look for in a privacy policy

• Whether data is sold or shared with partners or advertisers

• How long data is kept and whether you can delete it

• Whether your data is used to train AI models, and what the AI providers can retain

• Which aggregator connects your accounts

• Whether the app can only view data or can also move money

Viewing data versus moving money

A view-only connection lets an app read your balances and transactions. It does not let the app send money. Monarch states that it is read-only. Cleo and Rocket Money offer savings or transfer features, so confirm what each connection permits before you link. Read each provider's description, not our summary.

Your protections

• Use a unique password and two-factor authentication. Monarch lists two-factor authentication on its security page. Verify the others.

• Review connected apps at your bank. You can revoke access there as well as in the app.

• Know what Regulation E covers. Regulation E implements the Electronic Fund Transfer Act and sets error-resolution procedures for unauthorized electronic transfers from consumer accounts. It deals with money movement. An app that only reads data is not moving money, and the rule does not address data-privacy harms. Protection depends on the facts and on reporting problems promptly. See the CFPB's consumer guidance.

• Know the status of the federal data-sharing rule. The CFPB finalized its Personal Financial Data Rights rule (Section 1033) in October 2024. In August 2025 it opened a new rulemaking to reconsider it, including who may access data for a consumer and whether banks may charge fees, and it said it planned to extend compliance dates. Secondary trackers report that, as of 2026, a federal court has enjoined enforcement and the rule is under reconsideration. Confirm the current status at cfpb.gov. Until it settles, do not assume a federal rule defines your data-sharing rights. Read the app's and your bank's terms.

• Watch for scams. Be wary of fake budgeting apps, "debt relief" offers, and anyone asking for your bank password. Use only apps from official stores and company sites. The FTC publishes consumer guidance on these scams.

Privacy and Data Practices Compared (as documented)

Budgeting Methods and Which Tools Fit Them

Choose the method first, then the tool. Automatic-tracking apps record spending for you. Manual and zero-based apps ask you to plan every dollar.

Alternatives: Spreadsheets, Bank Tools, and General-Purpose AI

You do not need an app to budget. Each alternative has trade-offs.

• Spreadsheets: They give you full control and no third-party account link. The cost is manual entry and no automatic import. They suit privacy-conscious users and simple budgets.

• Bank or credit union tools: Many banks include spending summaries. They are free and keep data in one place but only see accounts held there.

• General-purpose AI chatbots: A chatbot can help you design a budget structure or explain methods using figures you type in. Use made-up or rounded, non-sensitive numbers. Never paste account numbers, passwords, Social Security numbers, or full statements into a chatbot. Privacy and data-retention practices differ, so read the settings. Chatbots can also make arithmetic errors, so check every total. A chatbot does not watch your transactions continuously, as a connected app does.

How to Choose the Right Tool

1. Define your goal. Track spending, plan every dollar, forecast, cut subscriptions, or pay down debt.

2. Pick a method. See the methods table above.

3. Set your privacy comfort level. Decide whether you will link accounts at all.

4. Set a price ceiling. Compare the annual cost.

5. Check institution and device support. Use each provider's supported-institution list.

6. Use a trial. Link one account first if you are unsure.

7. Review after 30 to 60 days. Keep the tool only if you still use it.

Choose-by-Situation Table

Illustrative examples

These examples are hypothetical and use generic numbers.

• A freelancer with irregular income. Income swings between $2,000 and $6,000 a month. A forecast tool can show upcoming bills against expected deposits, but it will guess wrong in a slow month. A manual method such as setting aside a fixed share of each payment may be steadier. The freelancer tries a forecast tool free and compares its guesses with real results.

• A couple wanting shared visibility without merging accounts. Each partner links personal accounts and shares a combined view. Before subscribing, they check how many people the plan allows and whether the AI chat works in shared mode.

• Someone with forgotten subscriptions. A subscription tracker lists $60 a month in recurring charges. The person cancels three, then checks the next statement to confirm the charges stopped.

• A privacy-conscious user. The user avoids linking accounts and imports bank files into a spreadsheet or a local-first app. It takes more effort but shares less.

• Someone paying down card debt. They need one view of the balance and a monthly payment target. A simple tool with a debt goal may beat a feature-heavy one.

Common Mistakes

1. Trusting AI categories without review

2. Connecting accounts before reading the privacy policy

3. Skipping two-factor authentication

4. Choosing a tool for features you never use

5. Ignoring auto-renewal after a free trial

6. Assuming every institution is supported

7. Skipping the initial setup of rules and categories

8. Budgeting without allowing for irregular or annual expenses

9. Relying on a chatbot's math without checking it

10. Pasting sensitive data into a general-purpose chatbot

11. Expecting the app to change your habits on its own

12. Not revisiting the budget after income or life changes

13. Canceling without disconnecting accounts and requesting data deletion

14. Running several overlapping tools that duplicate data

Common Misconceptions

Quick-Start Checklist

• Goal question: What do I want this tool to do: track spending, plan every dollar, forecast, cut subscriptions, or pay down debt?

• Method question: Do I prefer automatic tracking or hands-on budgeting?

• Privacy question: Am I comfortable linking accounts, and have I read the privacy policy?

• Cost question: What can I spend, and have I checked trial length and auto-renewal terms?

• Compatibility question: Does the tool support my banks, credit unions, and devices?

• Review question: When will I review the results to decide if it is working?

This checklist is a starting point. It does not replace confirming current details with each provider.

Glossary

• AI budgeting tool: An app that uses automation, machine learning, or generative AI to categorize spending, forecast cash flow, or answer questions about your finances.

• Account aggregator: A third-party service that connects an app to your accounts to import transactions and balances.

• Transaction categorization: Automatic labeling of purchases so spending can be summarized.

• Zero-based budgeting: Assigning every dollar of income a purpose until income minus assignments equals zero.

• Envelope budgeting: Spending limits set by category, physical or digital.

• Cash-flow forecast: A projection of future income and expenses from past patterns and scheduled items.

• Subscription tracking: Detecting recurring charges and flagging renewals or price changes.

• Generative AI assistant: A chat feature that answers questions in natural language.

• Read-only access: A connection that lets an app view account data but not move money, where the provider states so.

• Two-factor authentication: A login step that requires a second proof of identity, such as a code.

• Net worth tracking: Summing assets and debts to show overall financial position.

• Regulation E: The CFPB rule implementing the Electronic Fund Transfer Act, covering error resolution for consumer electronic transfers.

• CFPB: The Consumer Financial Protection Bureau, a federal agency that supervises consumer finance.

Frequently Asked Questions

What are the best AI budgeting tools? The best choice depends on your needs. In this guide, Monarch suits shared households, Copilot Money suits Apple users, Rocket Money suits subscription clean-up, Simplifi suits lower-cost forecasting, YNAB suits zero-based budgeting, and Actual Budget suits privacy. We name no single winner.

What is an AI budgeting app, and how does it work? It is an app that uses automation or AI to sort transactions, spot subscriptions, forecast balances, or answer questions. It usually imports data through an account aggregator, then applies rules or machine learning. You review the results and correct errors.

Are AI budgeting apps worth it? They can save tracking time, but they guarantee no savings. Value depends on whether you use features like categorization, forecasting, or subscription tracking regularly. Try a free tier or trial and compare the cost with what you actually use.

Are AI budgeting apps accurate? Not always. Categories can be wrong, and forecasts miss irregular income and annual bills. We found no independent accuracy testing, so we do not cite accuracy percentages. Review transactions weekly and compare totals with your statements.

Which app is best for couples? Look for shared access and clear permissions. Monarch and Origin list household or partner features, and Simplifi allows one other person. Plans and AI chat can differ in shared mode, so confirm on each provider's site.

Which app is best for freelancers? With irregular income, look for forecasting or a method that sets money aside from each payment. Simplifi and Monarch Plus list forecasting. Quicken also sells a separate business-and-personal plan. A forecast is only a guess, so compare it with results.

Which app is best for beginners? Choose the tool you will actually open. A simple tracker with a free tier or trial lowers the risk. Rocket Money's free tier and Simplifi's lower price are options. Hands-on methods like YNAB take more setup but offer structure.

Are there free AI budgeting tools? Some have free tiers with limits. Rocket Money and Cleo advertise free tiers, and Actual Budget is free software without AI. Monarch, Copilot, and YNAB offer trials, not permanent free plans. Free tools may earn revenue elsewhere.

How much do AI budgeting apps cost? As of October 2026, annual prices on the pages we reviewed ranged from $95 to $109 for several leading apps, with lower-cost options near $4 a month on first-year offers. Monthly billing costs more per year. Confirm prices on each site.

Is it safe to link my bank account? It carries a real privacy trade-off. Safety depends on the app's practices, the aggregator, and your habits. Use two-factor authentication, read the privacy policy, prefer view-only connections, and know how to revoke access at your bank.

What is an account aggregator? It is a third-party service that connects a budgeting app to your bank, card, or investment accounts. You sign in through it, and it passes balances and transactions to the app. Providers differ in which aggregator they use.

What is the difference between automatic and zero-based apps? Automatic apps import and categorize spending for you. Zero-based apps ask you to assign every dollar of income a purpose until none is left. Automatic tools suit light upkeep. Zero-based tools suit people who want control.

Can ChatGPT or another chatbot make a budget for me? A chatbot can outline a budget from numbers you type. Risks include arithmetic errors and data retention. Do not share account numbers, passwords, Social Security numbers, or statements. Check every figure against your own records.

What are the best tools for tracking subscriptions? Rocket Money centers on subscription tracking, and its team can cancel eligible subscriptions on Premium. Copilot and Simplifi also list subscription tracking. Check each charge on your statement after canceling.

Do these apps work with credit unions or outside the U.S.? Support varies by institution. Simplifi says its products are not designed to function outside the U.S. and Canada, and a secondary summary says Copilot supports U.S. institutions only. Always check each provider's supported-institution list.

How do I choose a budgeting app? Start with your goal and budgeting method, then set a privacy comfort level and a price ceiling. Confirm that your banks are supported, test one tool during a trial, and review it after 30 to 60 days.

Can I use a spreadsheet instead? Yes. A spreadsheet gives you control and avoids linking accounts, but you enter data by hand. An app can save time through automatic import. Choose based on how much effort and data sharing you accept.

What happens to my data if I cancel? It depends on the provider. Canceling a subscription does not necessarily delete your data or disconnect your accounts. Check the privacy policy, request deletion if you want it, and revoke access at your bank.

How do I stop a subscription from auto-renewing? Cancel before the renewal date, using the same channel you signed up through, such as the company's site, Apple, or Google. Save the confirmation. Federal cancellation rules are unsettled, so do not assume one-click cancellation exists.

What are the downsides of AI budgeting apps? Common drawbacks include categorization errors, broken bank connections, subscription costs, upsells, and sharing sensitive data with a third party. AI answers can be confident and wrong. Review results and read the privacy policy first.

Sources

All pages were reviewed in October 2026. Vendor pages are cited only for that vendor's own pricing, features, and statements. Secondary sources are flagged where used.

Provider pages (primary for their own claims)

• Monarch pricing: https://www.monarch.com/pricing

• Monarch security: https://www.monarch.com/security

• Copilot Money: https://www.copilot.money

• Rocket Money pricing article: https://www.rocketmoney.com/learn/personal-finance/how-much-does-rocket-money-cost

• Rocket Money AI article (vendor-authored; used only to describe Rowan): https://www.rocketmoney.com/learn/personal-finance/best-ai-budgeting-apps

• Quicken Simplifi: https://www.quicken.com/products/simplifi/

• Quicken Assist: https://www.quicken.com/blog/what-is-quicken-assist-the-new-ai-chat-in-quicken-simplifi/

• YNAB pricing: https://www.ynab.com/pricing

• Actual Budget: https://actualbudget.org

• Origin FAQ blog: https://useorigin.com/resources/blog/your-most-asked-questions-about-origin-answered

Regulators and legal

• FTC, Cleo AI settlement (March 2025): https://www.ftc.gov/news-events/news/press-releases/2025/03/cash-advance-company-cleo-ai-agrees-pay-17-million-result-ftc-lawsuit-charging-it-deceives-consumers

• CFPB Section 1033 rulemaking (law-firm summary): https://infobytes.orrick.com/2025-08-22/cfpb-proposes-new-rule-to-implement-section-1033-for-consumer-data-rights/

• CFPB Section 1033 (law-firm summary): https://www.sheppard.com/insights/blogs/cfpb-reopens-data-rights-debate-with-new-1033-rulemaking

• Section 1033 status tracker (secondary; confirm at cfpb.gov): https://openbankingtracker.com/regulation/usa-1033

• Click-to-cancel vacatur (law-firm summary): https://www.wiggin.com/?p=23759

• FTC Negative Option Rule restart (law-firm summary): https://www.bclplaw.com/en-US/events-insights-news/im-not-dead-yet-is-the-demise-of-the-ftcs-click-to-cancel-exaggerated.html

Secondary sources (used only where noted)

• Monarch review: https://www.thepennyhoarder.com/budgeting/monarch-money-review/

• Copilot help-center summary: https://www.thepricer.org/how-much-does-copilot-money-cost/

• Cleo pricing summary: https://www.fincomparelab.com/reviews/cleo-review/

Regulation E and general FTC and CFPB consumer guidance are described at a general level. Confirm details at cfpb.gov and ftc.gov.

Conclusion

AI budgeting tools can make tracking and planning easier, but they do not manage your money or guarantee results. The best choice depends on your budgeting style, your household, your comfort with sharing data, and your budget. AI features can err, so review categories and forecasts. Linking accounts is a real privacy trade-off to weigh before you connect. Pricing, features, and policies change, so confirm them on each provider's official site. Use this guide as a starting framework, not a final word.

This article is educational and is not individualized financial, tax, or legal advice.