Your AI knows the internet.
YouAI makes it know your life.
YouAI connects your bank accounts, household bills, insurance policies, homes, and vehicles into one private, self-updating vault. Use YouAI’s built-in Command Centre to stop auto-renewal traps and decode fine print—or plug your live life context directly into your own Claude, ChatGPT, Gemini, or Grok instance.
*Methodology: £1,420/yr reflects median recoverable annual spend across audited household vaults (5–10 contracts) comparing contracted renewal quotes and out-of-contract rollovers against live market benchmarks. Full-household audits (15–20+ contracts spanning multi-part mortgages, itemised TV/telecom bundles, dual-fuel energy & multi-cover insurance) have identified £3,500–£4,500/yr in actionable savings in a single session.
What Bank-Feed Apps Can’t See—Inside Your Own AI.
Bank-feed budgeting apps (like Snoop, Emma, or Moneyhub) only see what left your account yesterday—they cannot see policy excesses, 90-day notice periods, mortgage early repayment charges, or which line items inside a bundle are out of contract. YouAI extracts the full clause-level contract graph and connects it directly to your own Claude, ChatGPT, Gemini, or Grok.
Clause-Level Depth for Any Frontier AI
YouAI continuously structures your contracts down to individual priced components, minimum terms, APRs, and cancellation windows. With a single MCP connection, your own Claude, ChatGPT, Gemini, or Grok account can audit your entire household in one call.
- ✓ Line-Item & Clause Precision: Separates rolling add-ons you can cancel today from fixed core plans locked until next year—with exact notice periods, excesses, and overpayment allowances.
- ✓ Whole-Household Graph: Mortgages, energy, council tax, water, insurance, pets, telecoms, credit, and memberships normalised into monthly-equivalent spend.
- ✓ Propose-Only AI Boundary: Your external AI has read access plus staged proposals—giving you total confidence to let AI work across sensitive data while you confirm every change.
- ✓ Compact One-Call Context: Optimised summary & deep-inspection tools let any AI client read your entire household without hitting token limits.
"Review my household’s home spend across all 20 contracts in my YouAI vault—what can I cut immediately vs what is locked in, and where are the biggest renewal savings?"
1. Sky Bundle Line-Item Split (£157/mo total): Your contract has 10 priced components. While Full Fibre 500 & Sky Signature (£113/mo) are fixed until Mar 2027, £44/mo in rolling add-ons (TNT Sports £24, Cinema £12, Kids £8) can be cancelled today (£528/yr saved).
2. Mortgage Overpayment & Remortgage Window: Parts 1–3 (£832k at 2.55% fixed to Aug 2027) carry a 2% ERC but allow a 10% penalty-free annual overpayment; directing idle cash against your higher-rate tranche saves ~£1,850/yr.
3. Renewal & Tariff Optimisation: Re-fixing gas before June (£0 exit fee), contesting your +41% pet cover jump, and giving 90-day written notice on alarm monitoring before Aug 2026 unlocks another £1,400+/yr.
Total identified household savings: £3,500–£4,500/yr. I’ve staged the action plan in your YouAI vault for confirmation.
"We’re booking a family ski trip in February. Check our passports, travel insurance fine print, and car cover before I pay."
1. Passports: 3 of 4 family passports are valid, but Alex’s passport expires in 5 months (falls short of the 6-month international travel validity rule).
2. Travel Insurance Exclusions: Your Nationwide FlexPlus policy is active, but Winter Sports is an optional add-on (£28) not currently active on your schedule.
I’ve staged a passport renewal task and the Winter Sports endorsement check in your YouAI app.
"Compare our upcoming Octopus Energy and Admiral renewals against current UK rates and tell me what to switch."
1. Octopus Energy (£118.50/mo): Renews on 15 Jan with a £0 exit fee. Locking into the new 12M Fixed tariff saves £210/yr vs the standard variable rate.
2. Admiral Auto Cover (£780/yr quote): Up 44% from last year’s £540. Comparable comprehensive cover (£500 excess) is benchmarking at £515/yr.
Both switch comparisons are staged in your YouAI Radar ready for execution.
"Audit every recurring subscription and automatic payment hitting my accounts over the last 90 days—what can I ruthlessly cut?"
• 3 Unattributed Subscriptions (£41.97/mo): Two overlapping cloud storage plans and an unused software renewal with zero matching receipt.
• Out-of-Contract Mobile Plan (£19.00/mo overpayment): Your mobile plan finished its device payoff 4 months ago.
Total immediate savings: £731.64/yr. Approve the cancellation batch inside YouAI whenever you’re ready.
Private Family Office Depth. Zero Admin Effort.
Alongside powering your favourite external AIs, YouAI gives you a dedicated web and mobile Command Centre that organises every contract, bank payment, property, vehicle, and deadline automatically.
One Conversation. Automatic Domain Skills.
Never guess which menu or bot to open. Ask a single question spanning your bank payments, home insurance, vehicle MOT, and travel plans—YouAI brings your entire household context into one thread and fires the right executable skills automatically.
- ✓ Inline Domain Attribution: Live badges show exactly which life layers (Payments & Spending, Contracts & Renewals, Motoring) power each answer.
- ✓ Executable Action Skills: Runs multi-step workflows—from retention negotiation scripts and charge disputes to loyalty point flight valuations.
- ✓ One-Tap Approval Cards: Whenever YouAI proposes a contract update or renewal switch, review a clean before/after comparison and approve with one tap.
2. Octopus Energy Fixed 12M ends in 28 days (£0 exit fee verified on page 2 of schedule).
Open Banking Bound to Every Contract
YouAI connects to your UK bank accounts and credit cards—automatically linking every Direct Debit and recurring charge to the actual contract PDF in your vault so you see what you are paying for, not cryptic merchant codes.
- ✓ Contract-Linked Payments: Automatically matches bank transactions to the specific home, vehicle, or policy they pay for.
- ✓ Stealth Price-Hike Detection: Flags any recurring charge that drifts above its prior baseline.
- ✓ Unattributed Spend Audit: Surfaces forgotten subscriptions and phantom recurring charges with no matching contract.
30 / 60 / 90-Day Proactive Renewal Radar
Providers rely on you forgetting renewal dates so they can roll you onto punitive standard tariffs. YouAI’s Radar continuously monitors your contracts, statutory expiries, and warranties—intervening before the cancellation window closes.
- ✓ Notice-Window Precision: Alerts trigger ahead of mandatory 30-day cancellation deadlines.
- ✓ Duplicate Cover Elimination: Detects when your packaged bank account or credit card already covers roadside or travel insurance you pay for separately.
- ✓ Statutory Expiry Protection: Tracks passports, driving licences, DVLA MOT & VED road tax alongside commercial renewals.
Homes, Vehicles, Appliances & People
Your life is built around physical assets and the people you care for. YouAI binds every utility, mortgage, MOT, warranty, and service schedule directly to your homes, cars, and family members.
- ✓ Property Cockpit: Mortgages, home insurance, Council Tax Band, EPC Rating, and heating servicing in one view.
- ✓ Vehicle Fleet Tracking: Registration-linked DVLA MOT & VED road tax, servicing history, roadside cover, and insurance deductibles.
- ✓ Household Authority & Family Care: Safely manage shared household bills or aging parents’ utilities with granular permissions.
Sovereign Document Vault & Clause-Level Answers
Forward any confirmation email or PDF to your personal YouAI forwarding address or snap a letter on WhatsApp. YouAI classifies, extracts, and indexes every word so you can interrogate 50-page policy booklets in plain language.
- ✓ Exact Clause Citations: Ask "Am I covered if my laptop is stolen from my car?" and get the exact page, section, and deductible.
- ✓ Zero-Touch Email Forwarding: Works with Gmail, Outlook, iCloud, and Proton—set an auto-forward rule once and never upload manually again.
- ✓ Scoped Cryptographic Sharing: Generate time-limited, PIN-protected passes for your partner, mortgage broker, or accountant.
Energy_Renewal_Schedule.pdf via personal email aliasOne Assistant. Dozens of Real-World Skills.
Whether you interact inside the YouAI app or through your own Claude, ChatGPT, Gemini, or Grok instance, YouAI executes deep domain workflows grounded in your household records and UK consumer regulations.
Compares your upcoming renewal quote against live UK market rates, verifies exit fees, and drafts a ready-to-send retention or cancellation script.
Cross-checks bank statement flows against contracted amounts to expose stealth price hikes, expired introductory rates, and unattributed charges.
Searches across every policy wording, lease agreement, and warranty in your vault to verify exact coverage limits, deductibles, and exclusions.
Generates evidence-backed complaints and claims grounded in the Consumer Rights Act 2015, FCA Consumer Duty, and Ofgem/Ofcom rules.
Calculates value-per-point redemptions vs live cash fares, optimises companion vouchers, and checks linked travel insurance eligibility.
Tracks DVLA MOT & VED road tax expiries, service intervals, roadside policies, and multi-car insurance renewal windows per vehicle.
Binds energy tariffs, water, broadband, mortgages, Council Tax Band, EPC Rating, and appliance warranties to each property you own or rent.
Generates a complete checklist of every bound provider, local authority, vehicle registry, and policy that must be updated when moving home.
In WhatsApp, In Your Inbox, and Inside Your AI.
Whether you’re snapping a letter on WhatsApp, forwarding an email bill, or prompting Claude, ChatGPT, Gemini, or Grok, your household context stays continuously synchronised.
Surface YouAI in WhatsApp
Opening mail at the kitchen table? Snap a photo of a paper bill, MOT reminder, or warranty card and message it straight to YouAI on WhatsApp. Ask quick coverage questions on the go and receive proactive renewal alerts right in your chat list.
You: [Photo: Thames_Water_Bill.jpg]
YouAI: ✓ Filed to Primary Residence (£46.20/mo). Added to Wallet & Radar. Reply "COMPARE" to benchmark rates.
Open Banking & Email Auto-Forwarding
Connect your bank accounts and receive a private email forwarding address. Every e-bill, insurance schedule, and Direct Debit reconciles automatically—eliminating manual data entry forever.
Bank Feed: BARCLAYS DD · AVIVA INS £64.10
Inbound PDF: Aviva_Policy_Schedule.pdf
Status: ● 100% Bound · Renewal Radar Armed
Claude · ChatGPT · Gemini · Grok
Connect your personal AI assistant to your verified household vault in 30 seconds. Your AI gets live read-and-stage context across your life, while every permanent change requires your one-tap approval inside YouAI.
Connected Models: Claude · ChatGPT · Gemini · Grok
Access Scope: Read & Candidate Staging
Final Approval: ● Locked to YouAI App
Start Free. Unlock the Full AI Contract Graph.
Try YouAI free for up to 5 contracts—matching basic renewal trackers—or join the Founding Member Cohort for unlimited household coverage and live MCP access inside Claude, ChatGPT, Gemini, and Grok.
Ideal for individuals tracking their core renewals in one place—matching the 5-contract allowance of entry-level reminder apps.
- ✓ Up to 5 Active Contracts: Track your key policies, utilities, or subscriptions (1 home · 1 vehicle).
- ✓ Clause & Renewal Extraction: Upload PDFs to extract renewal dates, costs, and notice periods.
- ✓ 30 / 60 / 90-Day Renewal Radar: Proactive alerts before auto-renewal windows close.
- ✓ In-App Command Centre: Interrogate your contracts and run core domain skills in-app.
Matches basic renewal trackers on price while unlocking unlimited contracts, WhatsApp photo capture, and email auto-forwarding.
- ✓ Unlimited Contracts: Uncapped policies, utilities & subscriptions (1 home · 2 vehicles).
- ✓ Email & WhatsApp Capture: Auto-forward e-bills or snap paper letters on WhatsApp.
- ✓ Line-Item & Clause Depth: Full extraction of excesses, notice windows, APRs & bundle items.
- ✓ All Domain Skills + CSV Import: Utilities, insurance, motoring & home lifecycle skills.
For families, homeowners, and AI power users who want every contract and bank payment connected live to Claude, ChatGPT, Gemini, and Grok.
- ✓ Live Sovereign MCP Bridge: Connect your own Claude, ChatGPT, Gemini, Grok & Cursor in 1 call.
- ✓ Open Banking Live Feed: Automatic Direct Debit-to-PDF reconciliation & stealth hike alerts.
- ✓ Whole-Household Graph: Unlimited contracts, up to 2 homes & 4 vehicles + completeness checks.
- ✓ Retention & Switch Playbooks: Ready-to-send negotiation scripts & tariff benchmarks.
White-glove autonomous Family Office for multi-property estates, multi-generational households, and elderly parent care.
- ✓ Unlimited Homes, Vehicles & Estates: Full multi-property and fleet compliance graph.
- ✓ Multi-Household & Parent Care: Delegated authority & granular sharing across family members.
- ✓ Priority Frontier Reasoning: 50M monthly token quota on flagship reasoning models.
- ✓ Registered Mail & Dispute Automation: Automated statutory charge disputes & notices.
Differentiator & Pricing Comparison: YouAI vs Bank-Feed Apps vs Basic Renewal Trackers
(e.g. Snoop, Emma, Moneyhub) See yesterday’s card & Direct Debit transactions, but are blind to contract clauses—cannot see your policy excesses, 90-day notice periods, mortgage ERCs, or which line items inside a bundle are out of contract.
(e.g. Hattie Knows, from £4.99/mo) Track basic renewal dates and store files (typically capped at 5 contracts on free tiers), but do not expose a live MCP contract graph to your own Claude, ChatGPT, Gemini, or Grok instance.
Free (≤5) · £4.99 Essential · £9.99 Pro Lock (£19.99 std) · £99 Ultimate Combines clause-level contract & line-item extraction with live payment reconciliation and a propose-only MCP bridge so your own AI can reason over your entire household in one call.
| Capability / Differentiator | Bank-Feed Apps Snoop · Emma · Moneyhub |
Renewal Trackers Hattie Knows (£4.99/mo+) |
YouAI Sovereign Vault + MCP Free (≤5) · £4.99 Essential · £9.99 Pro Lock (£19.99 std) |
|---|---|---|---|
| Live MCP Bridge to Claude, ChatGPT, Gemini & Grok | ✕ No external AI bridge | ✕ No external AI bridge | ✓ Built-In Sovereign MCP (Pro & Ultimate) |
| Clause-Level Graph (Excesses, Notice Periods, ERCs, APRs) | ✕ Blind to policy PDFs & terms | ◐ Basic renewal dates & notes | ✓ Full Clause Extraction (excesses, ERCs, 10% overpay, APRs) |
| Line-Item Bundle Split (Rolling vs Fixed Lock-In) | ✕ Sees single Direct Debit only | ✕ Single contract headline only | ✓ Itemised Sub-Components (e.g. 10 Sky items: £44 rolling vs £113 fixed) |
| Propose-Only Human-in-the-Loop AI Safety | ✕ N/A | ✕ N/A | ✓ Read + Staged Proposals (User approves every change) |
| Open Banking Payment-to-Contract Reconciliation | ◐ Bank feed only (no PDF link) | ✕ Document storage only | ✓ Bank Flows Bound to PDFs + stealth hike detection (Pro) |
| Whole-Household Completeness & Missing-Doc Nudges | ✕ Transaction categorisation only | ◐ Manual checklist | ✓ Automated 6-Pillar Audit (Energy, Tax, Water, Broadband, Mortgage, Cover) |
| 4-Tier Ladder (From Free to Full Family Office) | Free (ad-supported) / £4.99–£9.99/mo | Free (≤5 contracts) / from £4.99/mo | Free (≤5) · £4.99 Essential · £9.99 Founding Pro (£19.99 std, £0 in cohort) · £99 Ultimate |
Put Your Life Admin on Autopilot.
YouAI is live in production. We are onboarding households across the United Kingdom and international priority markets into our Founding Member Cohort—giving you complimentary early access and locking in the £9.99/mo Founding Member rate (50% off the £19.99/mo standard rate) when billing begins.
- 01 Instant Contract & Direct Debit Audit: Uncover hidden price hikes and duplicate policies in your first 10 minutes.
- 02 Connect Your Own AI: Plug your live household context directly into Claude, ChatGPT, Gemini, or Grok.
- 03 Founding Member Tier Lock (£9.99/mo vs £19.99/mo): Complimentary during cohort onboarding; free tier (up to 5 contracts) always available.
Already hold an invitation code? Sign in directly to the Web App →
Request Priority Access
Reserve your household vault (🇬🇧 GB · GBP) and receive your onboarding invitation.
Democratising the Autonomous Family Office.
Households across the UK lose over £18 billion annually (and over $250B+ across the US, Europe, Canada & Commonwealth markets) to loyalty penalties, uncontested auto-renewals, under-claimed warranties, and fragmented financial administration. First-generation fintech digitised the bank statement; YouAI automates the entire household balance sheet—and serves as the sovereign personal context layer for every frontier AI.
With our multi-jurisdiction skill-execution engine (supporting UK, US, Canada, Germany, South Africa & New Zealand via modular regional cartridges), payment reconciliation layer, zero-touch ingestion pipeline, and cross-model AI bridge live in production, we are opening a structured allocation window for strategic partners, family offices, angel syndicates, and institutional seed/Series A funds.
Request Data Room & Allocation Access
Complete investor accreditation details below to request the Confidential Information Memorandum (CIM), live product walkthrough, and Virtual Data Room credentials.