Shepherd covers your bills, builds your safety net, and grows your surplus — all without you lifting a finger.
Shepherd handles every dollar you earn — intelligently and automatically — the moment it arrives.
Link your bank via Plaid or set up direct deposit. Shepherd detects incoming funds instantly and prepares your allocation plan.
Verify your identity in minutes with our Sila-powered KYC flow. Secure, compliant, and built for real people.
Define your recurring bills, safety buffer goal, and investment preferences. The engine does the rest — every single time.
Surplus cash auto-invests into FDIC-backed CDs and U.S. T-Bills via IBKR. Your dashboard shows every dollar's status, live.
A complete financial system — built on trust, transparency, and zero manual effort.
Rules-driven, deterministic logic that prioritizes every dollar — liabilities first, then buffer, then investments. Replayable and auditable at all times.
Securely link checking, savings, and credit accounts. Transactions and balances stay synced so Shepherd always has a live picture of your money.
Add recurring bills with due dates and priorities. The engine reserves funds automatically, so you never pay a late fee again.
Set your personal emergency fund target. Shepherd tops it up whenever there's surplus — silently, consistently, automatically.
Track your IBKR portfolio of CDs and T-Bills in real time. Full trade history, yield performance, and allocation breakdowns at a glance.
Every financial action is logged with hash-chained records — who, what, when, why. SOC 2-ready and fully exportable for compliance teams.
Pause automation globally or per-account with one tap. You're always in control, even when you want the engine running full-time.
Real-time alerts for upcoming bills, completed sweeps, deposit confirmations, and any failed actions — with clear resolution guidance.
"How Your Money Works" — an in-app guide explaining every allocation decision with plain English tooltips and interactive walkthroughs.
Shepherd sweeps surplus funds into low-risk, government-backed instruments through your IBKR brokerage account.
Short-term government securities with competitive yields. Liquid, safe, and automatically reinvested.
Fixed-rate FDIC-insured deposits matched to your cash flow timing so funds are always available when needed.
Every trade is reconciled daily against your Shepherd ledger so your balance is always accurate to the cent.
For the first time in years, I don't panic on payday. Shepherd handles my rent, student loans, and savings before I even open the app. It just works.
I was skeptical about automation, but the simulation mode let me see exactly what would happen before I agreed to anything. That transparency sold me immediately.
My T-Bills are earning over 5% while my bills are always paid on time. I didn't think something this powerful could also be this simple to use.
Join the waitlist and be first to experience fully automated personal finance. No spreadsheets. No guesswork. No late fees.
✓ No credit card required · ✓ Invite-only beta · ✓ U.S. residents only