Settling…
Settling…
Connect your bank, credit cards, and investments, and see where you stand. Cairn makes your money quiet, considered, and yours.
The demo is the whole app, filled with one sample household's numbers. No account, nothing to install, nothing saved. Cairn is in closed beta, so sign-in is by invite — ask for one.
Before you look around
There is no transfer, no payment, and no trade anywhere in Cairn. It reads your accounts and shows you where you stand. That limit is built into the code, not written in a policy.
You sign in at your bank, through Plaid, and the credential stays there. Cairn receives read-only access that you can revoke at any time, even from outside the app.
Cairn's own planner computes every number you see. The AI is given only the small summaries it narrates, under zero data retention, and your data is never used to train anything.
The longer answer, including what is not finished yet, is written plainly in What happens to your data.
Plaid-secured account aggregation. Cairn never sees your credentials.
Net worth, cash flow, runway, and a 60-day forecast — one editorial view, no scrolling for context.
One “extra per month” dial moves every goal’s date at once — under a balanced, debt-first, or safety-first lens.
A preview, no account needed
Your money, out of the dark. Cairn watches quietly and speaks only when something's worth your attention — a projection, a gap, cash sitting idle. Pick the situation closest to yours and see the read.
A healthy balance, most of it parked in checking earning nothing.
Sample figures, not advice. Cairn shows you the shape of things; the choices stay yours.
Restraint, in writing
A short list of things Cairn will never do, written down so you can hold us to them. Restraint is a feature.
Cairn will never sell your attention back to a credit-card pitch, a fintech upsell, or a sponsored tile.
Not de-identified, not aggregated, not “anonymized.” Your transactions, balances, and goals are yours alone.
Nothing Cairn surfaces is paid to be there. No referral kickbacks, no hidden partnerships, no quiet steering.
Your money isn’t a game. Cairn won’t guilt you into opening the app or chase you with notifications.
Cairn shows where you stand and helps you plan. It cannot transact, transfer, or trade. By design, not by policy.
From the studio
I built Cairn because the money tools I tried made me feel watched, not supported. Streaks I didn’t sign up for. Notifications timed to my anxiety. A dashboard that always wanted me to do more. None of it made me better with money, only more aware of being measured.
I want Cairn to feel like a walk on a familiar trail. You glance at where you are, you decide what’s next, you go back to your life. The app shouldn’t need you any more than that.
nnnsightnnn is a studio of one. No investors waiting on growth, no roadmap dictated by a sales team, no incentive to make Cairn louder than it needs to be. The product can stay small because the company is small.
If Cairn ever stops feeling quiet, that’s a bug — a feature that pushes, an email that guilts, a screen that tries too hard. Tell me about it.
nnnsightnnn
Under the hood, brought to the surface
These protections already run on every AI call in Cairn. The Trust Center simply lets you watch them work.
Financial data only ever routes through vetted models. An unknown vendor is refused outright.
client.ts
Hard input/output token limits per day, enforced before any call runs.
guard.ts
We log what ran and how much — never your prompts or financial details.
log.ts
A per-account toggle disables AI entirely. Your call, always.
aiEnabled
AI proposes; you dispose. Suggestions wait for your confirm.
AiSuggestion
Ask about your money and every answer links the exact transactions behind it.
transactionsQa
The business, plainly
If the subscription doesn’t sustain Cairn, Cairn doesn’t survive. That’s the right tradeoff. Better a small product that pays for itself than a loud one funded by selling your attention.