Preso Budget

Preso Budget starts from a simple premise: your budget should be derived from what you actually spent, not from a template you fill in by hand. After a one-time account connection through Plaid, the platform imports your checking, savings, credit card and investment activity, classifies merchants, and splits your outgoings into essential and non-essential subcategories. Everything updates on its own month after month, so there is no spreadsheet to maintain and no manual reset when a new month begins.

The intelligence layer is a conversational assistant grounded in your own data. Instead of trawling charts, you can ask about spending trends, income patterns or the reason a category jumped, and get answers in plain English. Alongside it sit merchant and category breakdowns, dynamic charts and fully editable categories, so you keep final say over how your money is grouped.

The part that sets Preso apart is continuity. The same accounts that power this month's budget also drive year-by-year cash-flow, net worth and retirement projections, including federal taxes per projection year, Social Security claiming ages for you and a spouse, and required minimum withdrawals. A year-by-year ledger lets you open up any projection and inspect how each figure was assembled rather than trusting a black box. The product is desktop-only for now, and new users join by invitation during the beta.