vecta
Read-only by design. Vecta never moves your money

All your money.
One intelligence.

Vecta connects your banks and brokers into a single live view, with a personal AI agent that actually understands your finances. Read-only, always.

Get started freeSee how it works

Net worth

$0

+4.2% this month
ANZ logo

ANZ Access Advantage

Bank account

$19,548

AustralianSuper logo

AustralianSuper

Superannuation

$450,000

Orman & Co

Broker

$285,000

Amex logo

Amex Platinum

Credit card

-$4,595

You asked

“How much did I spend on dining last month?”

Vecta

$642 across 18 transactions, up 15% on June. Your top spot was Kazbah, Balmain.

CDR-compliant data sharingRead-only by designBank-grade encryptionCancel anytime

Your finances are scattered.
Your understanding shouldn’t be.

Scattered accounts

Banks, brokers and super funds each live in their own app, with their own login.

With Vecta

Vecta brings every account into one live dashboard: balances, holdings and transactions together.

Blind spots

No single view of your net worth, cash flow, or where your money actually goes.

With Vecta

One net worth figure, tracked over time, with cash flow and spending broken down automatically.

Generic advice

Finance tools give tips written for everyone, which means they fit no one.

With Vecta

Your Vecta agent answers from your actual data. Ask anything, get a real answer with real numbers.

Meet your agent

A conversation, not a spreadsheet

Ask about spending, portfolio allocation, unusual charges, anything in your financial life. Vecta answers from your actual data, with the numbers to back it up. It never guesses, and it never acts on your accounts.

Try it with your data

Vecta

Watching your accounts

Live demo

Ask Vecta anything…

Unified dashboard

Every account. One live view.

Net worth, balances, holdings and transactions across every institution you use, updated automatically and organised beautifully. No more app-hopping to answer a simple question about your own money.

Net worth

+$16,882 (90d)

$412,922

Cash

$38.4k

Investments

$403.2k

Debt

-$28.7k

Personal AI agent

Ask anything about your money.

Vecta answers from your actual data and never guesses. Spending, cash flow, portfolio allocation, unusual activity: ask in plain language and get an answer with real numbers behind it.

Am I too concentrated in tech stocks?
Tech is 41% of your portfolio across CommSec and IBKR, mostly NVDA and MSFT. That’s high versus a balanced benchmark of ~25%.
Want the full allocation breakdown?

Insights

Know what changed, without looking.

Vecta watches your accounts and surfaces what matters: spending trends, portfolio milestones, low cash buffers, anomalies. Insight finds you, not the other way round.

Dining up 15% vs June

$642 across 18 transactions this month.

Cash buffer below target

You have 1.8 months of expenses in cash. Your target is 3.

Portfolio hit an all-time high

Combined holdings crossed $403k this week.

Connections

Your banks and brokers, covered.

Australian banks via CDR Open Banking, plus Orman & Co trading accounts and brokers including CommSec, Stake and Interactive Brokers. Consent-based, revocable anytime, and strictly read-only.

CommBank logoCommBankWestpac logoWestpacNABANZ logoANZMacquarie logoMacquarieING logoINGOrman & CoCommSec logoCommSecInteractive Brokers logoInteractive BrokersStake logoStakeAustralianSuper logoAustralianSuperAustralian Retirement Trust logoAustralian Retirement Trust+100 more →

Banks and super funds connect through CDR Open Banking. Brokers connect through secure read-only integrations. Your login credentials never touch Vecta.

Up and running in minutes

01

Create your account

Sign up free in under a minute. No card required.

02

Connect with consent

Link banks via CDR Open Banking and brokers via secure read-only integrations. We never see your passwords.

03

Ask your agent anything

Your dashboard fills itself. Your agent is ready with answers and insights from day one.

Start free. Upgrade when you’re ready.

Need more from your agent? Paid subscribers can top up tokens anytime from their account.

Free

For getting the full picture

$0/month

  • 1 connected institution
  • Dashboard, AI insights and reports
  • 20 agent messages per month (20 tokens)
Get started

Basic

For staying on top of it

A$29/month

  • Up to 3 connected institutions
  • Dashboard, AI insights and reports
  • Connector API (2 keys)
  • 50 agent messages per month (50 tokens)
Start Basic
Most popular

Pro

For deeper insights

A$79/month

  • Up to 5 connected institutions
  • Dashboard, AI insights and reports
  • Connector API (5 keys)
  • 100 agent messages per month (100 tokens)
Start Pro

Premium

For running your money seriously

A$150/month

  • Unlimited institutions
  • Dashboard, AI insights and reports
  • Connector API (10 keys)
  • 200 agent messages per month (200 tokens)
Start Premium

See full pricing and token details →

Built like it’s your money.
Because it is.

Read-only guarantee

Vecta cannot move, trade or touch your money. There is no code path that could.

CDR consent flow

Banks connect through Australia's regulated Consumer Data Right. You approve exactly what's shared.

Bank-grade encryption

Encrypted in transit and at rest. Your bank passwords never touch our servers.

You stay in control

Revoke any connection instantly. Export or delete all your data anytime.

Read our full security overview →

Questions, answered

See your whole financial picture in minutes.

Free to start. No card required. Read-only, always.

Get started free