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What Cairn can't do

Cairn cannot move money, in this demo or ever. When you connect your own accounts you sign in at your bank through Plaid, so Cairn never sees a password. And the AI is only ever handed computed summaries, never your raw transactions. The longer answer is in What happens to your data.

Cairn

Assets & debts →synced about 19 hours ago

Tuesday, October 20

Good morning, Rosa.

Last month · Sep+$2,044

Past the spend plan$34

Net worth-$13,500+$258

You owe more than half of what you own, and your debts are growing faster than your savings.

Cash · next 60 days

Safe to spend

$6,800

Oct 20 · $6,800Dec 19

Room to spend beyond the usual. The tight day ahead is Oct 20, near $6,800.

A projection, not a promise.

Spending pace · October

$1,279over pace

day 20 of 31 · $3,542 out, bills included · pace to today $2,263

October 1one stone per dayOctober 31

Day in, day out, your cash moves about −$1.58 a day.

+$115.82 in−$117.40 out

Open per day →

Signals

What stands out

Rate of growth

Rate of growth-$597.08/yr

At today's rates your debts add about $759.62/yr while your savings add $162.54/yr — Rewards Card at 20.0% leads the drag. A comparison, not a recommendation.

for you · $162.54/yragainst · $759.62/yr

Why you’re seeing this

Each account’s yearly pull is balance × rate. Your savings and investments add about $162.54/yr; your debts subtract about $759.62/yr — a -$597.08/yr difference. Rewards Card leads at 20.0% — a balance that would double in about 4 years if left unpaid. A snapshot at today’s rates, not a forecast.

Emergency fund

Emergency Fund$6,600 to go

In progress