Orbitlo is a personal AI operating system: your accounts, your calendar, your trips, your portfolio and your documents in one product, watched by an AI that can actually act on them.
Most people run their financial life across eight or nine apps. A budgeting app that can’t see the trip you’re saving for. A travel app that doesn’t know your savings rate. A brokerage that has no idea a subscription just doubled. Each one is competent inside its box and blind outside it.
Orbitlo puts those boxes in one product and runs a single intelligence layer across all of them. That’s the whole idea: the useful observations live in between the apps, and no single-purpose tool can reach them.
Six modules cover the day-to-day. Two more surfaces sit alongside them: a full trading terminal, and Codaa — the reasoning engine the whole product runs on.
Bank sync, subscription detection, savings-rate intelligence, liabilities, tax deductions, monthly reports.
Email triage, AI drafts in your voice, calendar with protected focus blocks, tasks, bulk inbox cleanup.
Trips detected from your email, flight search with quality scoring, budgets that talk to Money.
Stocks, ETFs and crypto in one portfolio, read-only wallet tracking, watchlists and price alerts.
An editor that inserts your live financial data, 15 PDF tools, and an encrypted vault.
Balance alerts, spending limits, price triggers, trip reminders, market-close summaries.
Multi-chart, indicators, drawings, order book and journal — wired to Alpaca and Coinbase. Learn on a paper account with an assistant that explains what it sees. Explore ›
The reasoning layer underneath everything. Ask it anything — research, planning, diagnosis — and when the right answer is a working tool, it builds one. See what it does ›
Ask a chatbot about your spending and it will ask you to describe your spending. It has no accounts, no history, no ability to change anything. The conversation ends where the work begins.
An AI operating system is different in three concrete ways:
Codaa is the part of Orbitlo that thinks hard. Most of what people ask it has nothing to do with code — research, analysis, planning, working through a decision, explaining something buried in your own data. It handles open-ended conversation the way you’d expect, and it has a full development environment behind it, so when the right answer is a working tool rather than a paragraph, it builds and runs the application right beside the code.
That behaviour is the point. A model that will tell you the question is wrong is a model you can trust with the questions that matter.
Orbitlo is built by a solo founder in New York. Not a team of forty, not a venture-backed roadmap — one person who wanted a financial life that didn’t require eight apps and a spreadsheet to hold together, and kept building until it existed.
That shapes the product in ways worth knowing. There’s no growth team optimising you into upsells. There’s one price, and it includes everything. Decisions get made fast, and when something is wrong it gets fixed in days rather than quarters.
It also means the honest version of the roadmap is public: some modules are deeper than others, mobile follows web, and features ship when they’re right rather than when a launch calendar says so.
Beta testers get first access — and founding-member pricing when we launch. No card required. See pricing ›
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