Know what your money can do next.
Connect the accounts you already use. PurposeMint learns your patterns, tracks what you're building toward, and gives you personalized next steps to help you build a cushion before life happens.
Your money stays in your own bank account. PurposeMint only reads what you allow, and you can disconnect anytime.
Dashboard
Good week, Tasha
Safety net
+$25 this week$247 / $500
49% · $253 to go
This week
- Set aside $25
- Log your mood
- Check your balance
You're $253 away from your next cushion.
Product example shown for illustration.
- Connect accounts you already use
- Read-only financial connection
- Your money stays where it is
- Personalized financial insights
Same emergency. Different outcome.
A $400 car repair is either a bad week or a bad year.
Nothing about the emergency changes. What changes is whether you have options when it shows up.
Without a cushion
The repair has to come from somewhere else — a card, a high-cost loan, or the rent. One expense turns into months of catching up.
With a cushion
The repair is paid. You keep your car, your job, and your plan. The week is annoying instead of devastating.
Borrowing the $400
Cost on top
High-cost loans are built to be renewed. Each rollover adds another fee, and the balance can outlive the repair that caused it.
Using your cushion
$0 in fees
You pay yourself back on your own timeline. No fees, no rollover, no lender deciding what happens next.
A cushion creates options. PurposeMint helps you build one, starting from wherever you are today.
$0
Start where you are
$500
Next cushion
$1,500+
Stability
$10K+
Mobility
The difference
Your bank knows your balance. PurposeMint knows what you're building toward.
PurposeMint works alongside the accounts you already have.
Your bank app
- Shows your balance
- Shows transactions
- Shows what already happened
- Sends account alerts
PurposeMint
- Connects your activity to your goals
- Identifies patterns that affect your progress
- Helps explain what those patterns mean
- Gives you a personalized next step
- Helps you stay accountable over time
What PurposeMint is not
PurposeMint is not a general savings app and not a budgeting tool. It's the layer that turns what's happening in your accounts into your next realistic move.
How it works
Your money already tells a story. PurposeMint helps you read it.
Connect, interpret, act, adjust — one continuous loop that runs on the accounts you already have. Most apps show you what already happened. PurposeMint helps you decide what to do next.
- 01
Connect
Securely connect the checking and savings accounts you already use — with your permission, read-only.
No new bank account required.
Checking · ••4821LinkedSavings · ••7390Linked - 02
Interpret
PurposeMint reads income timing, recurring bills, cash-flow swings and savings activity, then tells you what they mean in plain language.
"Your strongest savings window is right after payday."
- 03
Act
Set your goal once. PurposeMint turns your patterns into one clear next move — like $25 this Friday — and tracks it against your real balances.
Nothing to log by hand.
Safety net
$247 / $500 - 04
Adjust
Tight week? PurposeMint adjusts the plan, not the goal — $10 instead of $25 — so a hard month never erases your progress.
Adjust the plan, not the goal.
$25 this week keeps you on pace.
Banking access
And if you don't have an account to link?
PurposeMint is built for people who are unbanked, underbanked and asset-limited. When there's no account to connect, we refer you to a partner financial institution that opens one — so the door is the start of the journey, not the end of it.
01
Start where you are
No account, a closed account, or one you'd rather replace. You can begin building the habit before anything is open.
02
Get matched to a partner institution
PurposeMint refers you to a bank, credit union, CDFI, or community resource in our partner network that serves people in your situation.
03
Open the account with them
The application and the account are with the partner institution. Deposits are FDIC-insured by the partner bank, or NCUA-insured at a partner credit union.
04
Connect it and keep going
Link the new account read-only, and your goal, streak and cushion pick up right where you left off.
Important disclosures about banking partners
PurposeMint is not a bank. PurposeMint does not hold deposits, open accounts, issue cards or move your money. Accounts are opened and held at partner financial institutions, and FDIC or NCUA insurance is provided by that institution subject to its terms and limits. Approval is decided by the partner — a referral is not an approval or a guarantee.
PurposeMap™
Your financial readiness journey.
PurposeMap™ is more than a goal tracker. It's the path from being able to absorb a surprise bill, to holding on to that progress, to preparing for what's next — and finally to the resources that move you forward.
- 01
Safety
Can I absorb a financial shock? First cushion, savings consistency, cash-flow awareness.
- 02
Stability
Can I hold on to the progress I've made? A stronger buffer and a repeatable savings habit.
- 03
Readiness
What am I preparing for? Transportation, housing, childcare, education, credit, career.
- 04
Mobility
What resources can help me move forward? This is where Pathways open up.
PurposeMap™ · Current goal
Emergency cushion
$247 / $500
49% complete
- Weekly target
- $25
- Projected
- 10 weeks
- Next milestone
- $300
Also on your map
- Car repair & vehicle fund22%
- Rent cushion8%
What shapes your map
- Your values
- What you're actually saving for.
- Your micro habits
- Small weekly moves you can keep.
- Your money milestone
- The number that means safety to you.
Personalized insights explain what your patterns mean — and the one move worth making this week.
Need a minute? Pause Mode holds your progress without starting over.
Example shown for illustration. Your experience is based on your own accounts and goals.
Your money coach
A coach in your pocket, not a chatbot with a script.
Most people don't need more financial information. They need someone to talk it through with at the moment the bill lands. PurposeMint gives you that conversation.
- There when the decision happens
- Money questions rarely wait for business hours. Ask at 11pm on a Sunday and get a straight answer.
- Answers built on your own numbers
- The coach sees the goal you set and the accounts you connected, so the advice fits your actual situation.
- Teaching, not lecturing
- Short lessons in plain language, offered when they're useful — never a course you have to finish.
- No judgment, no sales pitch
- The coach has nothing to sell you. It exists to help you keep your cushion and avoid high-cost borrowing.
Your money coach
Available anytimeMy car needs $400 in repairs. Should I pause saving this month?
You have $247 set aside. Use $180 now, keep the rest, and drop your weekly amount to $15 for three weeks. You stay on pace and avoid a loan.
Example conversation shown for illustration.
Accountability
Safety first. Mobility next.
Five levels, each small enough to finish. Miss a week and nothing resets — you pick back up where you left off.
First dollar saved
The hardest one.
$1+
- 2
Your next cushion
You're hereCovers most emergencies.
$500
- 3
Keep a streak alive
Habit over amount.
8 weeks
- 4
Grow the buffer
Breathing room.
$1,500+
- 5
Unlock a Pathway
Your savings are proof.
Ready
Level 5 · Pathways
Once your cushion is steady, PurposeMint Pathways points you toward what comes next.
- Vehicle
- Housing
- Childcare
- Training
- Business
- Living benefits
Proof
Built from what actually worked.
PurposeMint grew from a community-tested savings model designed around a simple belief: even a modest cushion can change the choices available to a family.
Figures reflect completed cohorts through 2025. Full 2026 cohort results are pending.
- households in our savings cohorts
90+
households in our savings cohorts
- in new savings by participants
$10,000+
in new savings by participants
- started with no savings at all
69%
started with no savings at all
Pricing
Start free. Upgrade when it helps.
Starter
Free
Build the habit.
- Build your PurposeMap™: values, micro habits, milestone
- Log what you save by hand
- Levels 1–2: first dollar to your $500 cushion
No need to switch banks. Cancel anytime.
FAQ
Questions, answered.
Helping people build financial stability?
PurposeMint is designed to help organizations support households before financial instability becomes crisis.
