Era
Era is an AI financial assistant that links your bank accounts, bills and documents to Claude, ChatGPT or another MCP-compatible agent. You start free with two connected accounts, then ask real questions about balances, bills and decisions. Paid plans add edit access, spending rules, routines you approve and shared workspaces. Money-management tools are in early access.
What is Era?
Era is an AI financial assistant and money-management platform built by Tinwell Labs Inc. (DBA Era). It connects your real financial accounts to the AI assistants you already use, so an agent can answer grounded questions about balances, bills, spending and decisions instead of guessing. You add your accounts once, then bring Era into Claude, ChatGPT, Codex or another MCP-compatible client and ask things like what you need to keep for bills, which card to pay first, or whether a transfer would leave you short.
On the free Basic plan you connect up to two accounts and get recent transaction history, net worth and spending views, a rules library and a developer API. The agent reads your data through MCP or API access; connecting an assistant does not by itself authorize money movement. Paid plans add edit access so the agent can tidy and tag transactions, daily or eight-hour sync, spending pattern detection, bigger connection limits and shared memory across assistants.
Beyond answering questions, Era can prepare actions. It shows what a proposed transfer would do to your cash, compares paying down a card with saving spare cash, and can check a supplier invoice against recorded commitments. Routines let you approve an instruction with limits, after which Era runs it and pauses when account data is stale. Shared workspaces bring partners, staff or a human advisor into the same conversation, each person choosing which records to share.
Pricing is freemium. Basic is free forever, Organize costs $6.99 a month billed yearly and Automate $17.49 a month billed yearly, with quarterly and yearly discounts and optional add-ons for more accounts, rules, support and sync. Era says it connects accounts across the US, the UK, Canada, France, Germany, Spain and 40+ countries, while some investing features are US-only. On security, it says it uses AES-256 encryption at rest and TLS 1.3 in transit, connects through OAuth 2.1 and regulated aggregators, and does not store bank credentials.
Era's own descriptions say money-management, routine, shared-workspace and advisor tools are in early access, with transfers, rebalancing and retailer connections in private beta or specific regions. Era is a financial technology company, not a bank; banking services come from partner institutions, and investment products are not FDIC insured and may lose value. Era Financial Advisors LLC is an SEC-registered investment adviser, and the pages stress that connecting an assistant grants no authority to move money on its own.
Era Core Features
Connect Claude, ChatGPT, Codex or other MCP-compatible assistants to your linked financial accounts
Ask grounded questions about balances, bills, spending and money decisions
Keep bills, leases, insurance and mortgage documents in one library linked to accounts and payments
Rules library for subscription, income and transfer detection, plus spending pattern detection
Routines that run approved money moves between your own accounts within limits you set
Shared workspaces where people and agents work from records each person chooses to share
Human-advisor tools to follow a strategy or prepare a client plan for review
Developer API and MCP server with daily request and tool-call allowances
Who is Era for?
Era is aimed at individuals who want an AI assistant to help with everyday money decisions using their real financial data. If you already talk to Claude, ChatGPT or another compatible agent, Era fills it in with connected accounts so questions about balances, bills and spending get grounded answers instead of guesses. The free Basic plan suits anyone curious about the idea. It connects two accounts, syncs every day or two, and gives your agent recent transactions, net worth and spending views plus 250 MCP tool calls a day. There is no credit card, so it is a low-commitment way to see whether an AI financial assistant fits how you work. Paid plans target users who want more than answers. Organize adds edit access, a rules library, daily sync, 1,000 tool calls a day and a shared memory across assistants. Automate adds eight-hour sync, 100 spending rules, up to 100 accounts and upcoming approved transfers between your own accounts. Those appeal to busy households, freelancers and people juggling several banks and cards. Era also courts shared and professional use. Partner views and shared workspaces let couples, families or business partners work from one picture while choosing which records to share. Human advisors can bring a strategy into the conversation, and business owners can have agents check supplier invoices against recorded commitments. Family offices can bring many accounts, entities and documents into one workspace with access set by role. It best fits people in supported countries who are comfortable linking accounts through regulated aggregators and granting an agent read or edit access. Era notes it is not a bank, that investment products are not FDIC insured, and that connecting an assistant does not by itself authorize moving money. Because pricing scales with accounts and automation, the paid tiers make most sense for users with several banks, cards and routines to track, rather than someone who wants a single snapshot. Anyone expecting the full money-management vision today should note that much of it sits behind a waitlist, so the free connection is the part that is broadly available now.
Era Use Cases
Connect Claude or ChatGPT to your bank accounts and ask what you owe
Check whether a transfer would leave enough cash for upcoming bills
Compare paying down a card with saving spare cash
Keep bills, leases and insurance linked to the accounts they explain
See what was inside a bank charge by matching it to a retailer order
Let an approved routine keep your checking funded without daily checking
Work through a housing decision with a partner and a human advisor
Check a supplier invoice against other recorded business commitments
Era Pros and Cons
Pros
- Free plan with two connected accounts, no credit card required
- Works with major assistants such as Claude, ChatGPT and Codex, plus MCP clients
- Strong user control: agents need approval, and connecting one does not authorize payments
- Clear monthly, quarterly and yearly pricing with optional add-ons
- Company states it earns from subscriptions, not from selling your financial data
Cons
- Many headline tools, including money management, routines and shared workspaces, are still in early access or private beta
- Money transfers, portfolio rebalancing and retailer connections are limited to private beta or specific regions such as the US
- Sync can lag (every one to two days on Basic), and routine transfers pause when account data is stale
FAQ About Era
Era Pricing
Era is freemium. The Basic plan is free forever with two connected accounts, 1-2 day sync, 250 agent MCP tool calls a day, recent transaction history, net worth and spending views, a rules library and a developer API (100 requests a day). Organize costs $6.99/mo billed $83.88 yearly and adds daily sync, edit access, a rules library, 15 spending pattern rules, 1,000 tool calls a day, 15 connected accounts and email support. Automate costs $17.49/mo billed $209.88 yearly and adds 8-hour sync, unlimited memory, 10,000 tool calls a day, 100 spending rules, 100 connected accounts and priority support, with approved transfers and shared partner views marked coming soon. Optional add-ons start at $2.09/mo. Quarterly billing is about 10% off and yearly about 30% off; paid plans start with a free trial or a paid intro.
Check official pricingBasic
Free forever: 2 connected accounts, 1-2 day sync, 250 agent MCP tool calls a day, recent transaction history, net worth and spending views, rules library and developer API. No credit card required.
Organize
Billed $83.88 yearly. Adds daily sync, edit access for your agent, 1,000 tool calls a day, 15 spending pattern rules, 200 memory facts, 15 connected accounts and email support.
Automate
Billed $209.88 yearly. Adds 8-hour sync, unlimited memory, 10,000 tool calls a day, 100 spending rules, 100 connected accounts, priority support, with approved transfers and shared partner views coming soon.
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