Yez3Keys to your own place. The last payment on your card. A cushion that lets you sleep at night. Yez3 is the AI coach that keeps you going until it's real — month after month, without a bank login.
Start my money goalNo bank login · iPhone, Android & Web · Start as a guest in the mobile app, no sign-up
Find your starting point
Money & freedomYez3 doesn't touch your bank account. It's an AI coach and daily planner that keeps you moving toward your money goal — your first $10,000, a down payment, a debt-free life — until you get there. You decide the plan; your coach checks in, breaks big goals into steps and helps you restart after a tight month.
Not because you're bad with money. Big goals feel far away — $20,000 for a down payment, $8,000 of credit card debt — so today's step never seems to matter. It's easy to wait for a bigger paycheck, a calmer month, "the right time". The right time rarely comes.
64% of Americans plan a financial goal for 2026, up from 56% a year earlier. The most common: save more (44%), pay down debt (36%), spend less (30%) — Fidelity, New Year's Financial Resolutions Study.
61% of Americans who make New Year's resolutions set money goals — the second most popular area after health — Pew Research Center, 2024.
Among adults under 45, "save more money" is chosen by 30%, versus 14% of those 45 and older — YouGov, December 2025.
Setting the goal is easy. Doing something for it every week is the hard part. Yez3 is built for that.
A savings goal is never about the number. It's about how your life feels once the number is there.
Calm when you open your banking app. No dread, no closing it as fast as you can.
A cushion for real life. A surprise bill is just a bill. A car repair is just a repair.
Zero debt. The last payment made — and the interest and the stress gone with it.
Keys to your own place. Your walls, your rules, no rent to someone else.
Fewer money fights. With your partner, and with yourself at 3 a.m.
Freedom to choose. Say no to a job you hate, yes to a trip you want.
Pick your goal — your coach will build your first plan around it.
Your starting point: Emergency fund
Start with my goalSimple estimate without interest or investment returns. Not financial advice.
An unexpected bill, a birthday, a car repair — every money plan hits a bad week. Most people take it as a sign to quit. Your coach takes it as a reason to make the next step smaller, not to give up.
CoachExample conversationYou skipped your $25 savings transfer two weeks in a row. What got in the way?
That happens. Instead of pausing the goal, let's keep the habit alive: $5 this week on your Minimum. Want me to put it on Friday's plan?
Done. "Move $5 to savings" is on Friday's Minimum. We'll go back to $25 when things calm down.
A number in a savings account is hard to care about. What it buys is not: your own place, a calm month without worrying about bills, a trip with your family, the day your last debt is gone. Tell your coach your reason; it remembers it and reminds you when skipping a step looks tempting.
Peace of mind. An emergency fund, so a surprise bill is just a bill.
A place of your own. A down payment, one step at a time.
Debt-free. The day the last payment goes out.
Something for you. A car, a trip, a course — paid in full.
No. Yez3 never asks for your bank login and can't see or move your money. It plans your actions — you make the transfers yourself, in your own bank.
No bank login · iPhone, Android & Web
"Move $10 to savings" every Friday, "Pay the credit card" on the 1st — they land in the right plan automatically.
"Transfer to savings" on payday at 9 am.
Say everything on your mind — bills, calls, subscriptions to cancel — and Yez3 turns it into tasks.
The extra debt payment comes before the errands. Routine tasks wait until the important ones are done.
See which days you took a step for your goal over the last 6 weeks.
Your goal, your reason, your usual money blockers — the coach remembers them, and you can edit anything.
A budgeting app shows where your money went. A savings app moves money for you. Yez3 makes sure you keep taking the steps you decided on — with a plan for tight weeks and a coach who notices when you drift.
| Budgeting app | Automatic savings app | Yez3 | |
|---|---|---|---|
| No bank login needed | — | — | ✓ |
| Breaks a big goal into daily actions | — | — | ✓ |
| Plan for tight weeks (Minimum) | — | — | ✓ |
| Checks in when you're slipping | — | partly | ✓ |
| Helps with calls, viewings, paperwork | — | — | ✓ |
| Also handles the rest of your day | — | — | ✓ |
Money is the second most common goal. 61% of resolution makers set financial goals, right after health (79%). — Pew Research Center, 2024
People want to save, cut debt and spend less. These are the top three financial goals for 2026: save more (44%), pay down debt (36%), spend less (30%). — Fidelity, 2026
"Do" beats "don't". In a year-long experiment with 1,066 people, 58.9% of goals framed as "do something" were reported successful, versus 47.1% of goals framed as "stop something". That's why your Minimum says "Move $1 to savings", not "Don't spend". — Oscarsson et al., PLOS ONE, 2020
Smaller goals are reached more often. In a study of 1.4 million app users, people with the smallest goals reached them about three times as often as those with the biggest. — Gordon, Althoff & Leskovec, Stanford, WWW 2019
These studies are about goals in general, not about Yez3.
Yez3 helps you stick to the savings plan you choose. It turns your goal into small daily steps, gives you a Minimum for tight weeks and an AI coach who checks in and helps after a slip. How much you save depends on your income, your plan and your choices.
No. Yez3 never asks for your bank login and can't see or move your money. You plan your actions in Yez3 and make the transfers yourself in your own bank. Your accounts stay exactly where they are.
Yes, as a planner and coach. Write down your debts, pick a method like snowball or avalanche, and Yez3 puts the steps on your daily plan: extra payments, calls to the bank, cancelled subscriptions. Your coach checks in so the plan doesn't stall.
No. Yez3 is not a financial advisor. You decide your goal and amounts — your coach helps you break them into steps and keep going. For investment or tax decisions, talk to a licensed professional.
It happens to everyone. Lower your Minimum — even $1 keeps the habit alive — and your coach helps you get back to the full plan when things calm down. Days you mark as days off never break your streak, and earned streak freezes can protect it.
Yes, alongside it. Keep tracking your numbers wherever you like. Yez3 doesn't replace your budget — it makes sure you take the actions your budget needs: transfers, payments, calls and decisions.
Yes. Each of you can use Yez3 for your part of a shared goal — a down payment, a family trip, paying off a loan. Your coach helps each of you keep your own steps.
Yez3 is a subscription with a free trial for new subscribers. The price depends on your country and is shown in the App Store or Google Play before you pay. You can try the mobile app as a guest first — no sign-up — and create an account later to keep your progress.
No. Yez3 is a planning and coaching tool. It doesn't give personalized financial, investment, tax or legal advice. For those decisions, talk to a licensed professional.
Pick your goal — your coach keeps you going until it's in the bank.
Yez3 is a planning and coaching tool, not financial advice. Yez3 doesn't connect to your bank and can't move your money.
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