Free, read-only AI continuously scans users’ accounts to surface forgotten subscriptions, hidden fees, and money they’re owed while helping them pay less interest and strengthen their credit
Bon Credit today launched its personal finance AI, a free app built to do what most financial tools don’t: actively find money people have forgotten about and help them stop overpaying in interest. Connecting to a user’s accounts with read-only access, the app continuously scans for money being lost, money that’s owed, and better financial options then shows each user exactly what to do next.
The launch takes aim at two of the most common and costly blind spots in personal finance: money that quietly slips away through forgotten charges and fees, and the interest that steadily drains balances when better options go unnoticed. The personal finance AI is designed to catch both, automatically and for free.
Forgotten money is everywhere and easy to miss
Most people are losing money they don’t even know about. A subscription signed up for months ago and never cancelled. A duplicate charge buried in a statement. Hidden fees scattered across accounts. Individually these amounts look small; together, month after month, they add up to a meaningful drain on a household’s finances.
Then there’s money people are actually owed but have never claimed: unclaimed property sitting with state agencies, refunds never collected, class-action settlements they qualify for, tax credits, employer benefits, and government programs. This money often goes unclaimed for years not because people don’t want it, but because finding it has always been tedious, confusing, or simply invisible.
The app is built to surface all of it. Instead of asking users to hunt through statements or navigate government websites, it does the searching continuously in the background and brings what it finds to the surface, paired with a clear next step.
Cutting interest that quietly drains balances
Alongside forgotten money, the company targets one of the largest ongoing costs in personal finance: interest. High credit-card interest can quietly erode a balance every month, often without the cardholder fully registering how much it’s costing them over time.
The app helps users see that cost clearly and understand their options for paying less. By connecting a user’s credit picture to their broader financial situation, it highlights where interest is working against them and what moves could reduce it. For many people, this is the difference between treading water and making real progress money that was going to interest can instead go toward their goals.
This focus reflects the company’s broader philosophy: it’s not enough to show people where their money went. A personal finance AI should actively work to keep more of it in their pocket. Over the course of a year, even a modest reduction in interest paid can free up meaningful money money that was silently leaving each month and can instead be redirected toward savings, debt reduction, or whatever matters most to the user.
Three ways the app works for users
Save money by catching the everyday drains forgotten and unwanted subscriptions, duplicate and hidden fees, and high credit-card interest that quietly reduce a user’s balance each month.
Get money by uncovering funds users may be owed, including unclaimed property, refunds, class-action claims, tax credits, employer benefits, and government programs they may be eligible for.
Build credit by helping users understand their score, their utilization, and their approval odds, and showing them the next best move to improve over time.
Across all three, the defining feature is that it turns insight into action. It doesn’t stop at telling users what’s happening with their money; it tells them what to do about it.
Designed around trust and control
Because a personal finance AI is only useful if people trust it with their financial lives, the app was built around security and user control from day one. Account connections are read-only and protected with bank-level security. It never moves or spends a user’s money — it surfaces opportunities and leaves every decision to the user, who chooses what to act on and what to ignore. That means users get the benefit of an AI with enough visibility to genuinely help, without ever handing over control of their money. The app can see enough to find what’s being lost, but never enough to put anything at risk.
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Built by credit industry veterans, backed by seed funding
The company was founded by Samder Khangarot, CEO and co-founder, and Darwin Tu, co-founder and a 30-year veteran of the credit and FICO industry. Their experience runs deep in the credit systems that quietly shape people’s financial options the same systems the company works to make more transparent and easier to navigate .It is backed by a $3.5 million seed round led by VenturesLab, supporting its mission to make money-finding technology free and available to as many people as possible.
Free to start, available now
The app is free to use, with no subscription required seeing what it finds costs nothing to start. That choice is central to the company’s mission: the people who most need help finding and keeping money are often the least able to pay for it, and a free tool ensures the product reaches the users it’s designed to serve.
It is available today on both the Apple App Store and Google Play. Users can download it, connect their accounts with read-only access, and begin seeing what it finds right away, with the AI continuing to surface new opportunities to save, claim, and reduce interest over time.
More than a budgeting app
Bon Credit is deliberately different from a conventional budgeting app. Where traditional tools track spending and describe the past, its personal finance AI works to change the future — recovering forgotten money, uncovering money that’s owed, and cutting the interest that holds people back, continuously and for free.
It’s an approach built for a problem almost everyone shares but few have the time or tools to solve: the ordinary, everyday money that slips away unnoticed. The company’s aim is to make finding it and keeping it effortless.
About Bon Credit
Bon Credit is a free AI financial assistant that helps people find money they’re missing, keep more of what they earn, and build better financial futures. Connecting to users’ accounts with read-only access and bank-level security, it continuously scans for money being lost, money that’s owed, and better financial options, then shows users what to do next. Founded by Samder Khangarot (CEO and co-founder) and Darwin Tu (co-founder), and backed by a $3.5M seed round led by VenturesLab, the app is available on the App Store and Google Play. It is a product and registered DBA of Bhim Digital, Inc. Learn more at https://boncredit.ai.
Media Contact
Samder
Email: support@boncredit.ai
Webiste-https://boncredit.ai/
