About Franklin AI
Your Money, Analyzed. Your Future, Optimized.
Where does your money actually go? Most people have no idea. You know you spent $4,000 last month, but was it the daily coffee runs, the subscription services you forgot about, or that weekend trip that pushed you over budget?
Your bank statement tells a story—Franklin AI helps you understand it.
Meet Franklin: AI That Reads Your Financial Life
Franklin AI analyzes every transaction, subscription, and purchase to give you a complete picture of your spending patterns. By connecting your accounts, Franklin automatically categorizes your coffee habit, flags forgotten subscriptions, tracks your travel spending, and identifies exactly where your money flows each month.
But Franklin goes beyond just tracking expenses. It analyzes your complete financial picture—your debts, investments, recurring payments, and spending trends—to spot opportunities you're missing and problems you need to address.
What Franklin Sees That You Don't
Hidden Money Drains
That $9.99 streaming service you haven't used in months, the coffee shop charges that add up to $200/month, the subscription that quietly increased its price.
Spending Patterns
Your travel spending spikes in summer, you overspend on groceries during certain weeks, your entertainment budget doubles on weekends.
Optimization Opportunities
You're paying high interest on credit cards while money sits in low-yield savings. You're house-poor but don't realize how much your true housing costs are.
Investment Insights
Your portfolio allocation doesn't match your risk profile, you're missing out on employer 401k matching, or you have too much cash earning nothing.
Smart Analysis, Actionable Advice
Franklin doesn't just show you charts and graphs. It tells you what your spending means and what to do about it:
"You're spending 40% more on food delivery than the average person in your income bracket—here's how much you'd save cooking twice a week."
"You have three unused subscriptions costing $47/month. Cancel these and you'll save $564 this year."
"Your travel spending suggests you could benefit from a travel rewards credit card—here's how much you'd earn back."
Your Complete Financial Picture
Franklin analyzes everything—transactions, subscriptions, debts, investments, and liabilities—to give you insights no single app or advisor can provide. It's like having a financial analyst who never sleeps, constantly monitoring your money and finding ways to optimize your financial life.
Our Mission
Your financial data is incredibly valuable, but most people can't unlock its insights. Franklin AI transforms your transaction history into a roadmap for better financial decisions. We believe everyone should understand exactly where their money goes and how to make it work harder for them.
About the Founder
Andrew Hendel is the founder and CEO of Franklin. He spent 15 years in finance, most recently as a Managing Director at Beach Point Capital, where he managed over $1 billion in distressed debt investments.
Hendel founded multiple fintech and AI startups including QuickPenny, a payments app designed to cut out traditional middlemen, and Marshmallo, a dating app that used identity verification to prevent catfishing and improve user safety.
Hendel has been featured on ABC, CBS and Fox.
Hendel graduated from Stanford University School of Engineering where he received a Bachelors and Masters degree and was elected to Phi Beta Kappa and Tau Beta Pi academic honors societies.
Hendel created Franklin because he believes sophisticated financial advice shouldn't require a seven-figure net worth.
Ready to see what your money is really doing? Connect your accounts and let Franklin show you insights you never knew existed.