llms.txt
# Flip
> Flip is an AI money manager that lives in iMessage. You text it in plain
> English to track spending across your accounts, pay friends back, cancel
> wasteful subscriptions, pay bills, and grow your money — there is no app to
> download. Connected accounts are read through Plaid; actions are
> consent-led. US only.
## Product
- [Home](https://fliptexts.com/): What Flip is and how texting your money manager works
- [Money guides](https://fliptexts.com/articles): Sourced US guides to budgeting, saving, banking, payments, and small-business money
- [Compare](https://fliptexts.com/compare): How Flip replaces a stack of single-purpose money apps
- [Money expert playbooks](https://fliptexts.com/people): Money systems and habits people can apply through Flip
- [Books for Flip](https://fliptexts.com/books): Turn a book's principles into practical context for Flip
- [Flip CLI](https://fliptexts.com/cli): Access personal finances and Flip workflows from a command line
- [Flip Paper](https://fliptexts.com/paper): A concise morning recap of inbox signals, money moves, and daily context
- [Security](https://fliptexts.com/security): How connected account data is protected
- [About](https://fliptexts.com/about): Who is building Flip and the principles behind it
- [Contact](https://fliptexts.com/contact): How to reach the team
## Developers
- [Developers](https://fliptexts.com/developers): Developer portal — MCP server endpoint, agent auth, and discovery files
- [Flip MCP server](https://fliptexts.com/api/unified-mcp/mcp): Streamable-HTTP MCP endpoint (~90 personal-finance tools; Supabase JWT Bearer via SMS OTP)
- [flip-mcp on npm](https://www.npmjs.com/package/flip-mcp): stdio bridge for Claude Code/Cursor — `claude mcp add flip -- npx flip-mcp`
- [ard.json](https://fliptexts.com/.well-known/ard.json): Agentic Resource Discovery manifest (also at /.well-known/ai-catalog.json)
## Compare
- [Acorns vs Flip](https://fliptexts.com/compare/acorns): Acorns vs Flip: Acorns charges $3 to $12 a month to invest spare change. Flip does round-ups and runs your whole financial life from iMessage.
- [Rocket Money vs Flip](https://fliptexts.com/compare/rocket-money): Rocket Money vs Flip compared: pricing, the 35% to 60% bill negotiation cut, cancellation gripes, and why a text-first operator does more than track.
- [Autopilot vs Flip](https://fliptexts.com/compare/autopilot): Autopilot charges $100/yr per portfolio ($29/quarter) with a $500 minimum, plus pilot fees of $99-$299 on some portfolios. Here is the full fee breakdown and how Flip compares.
- [Splitwise vs Flip](https://fliptexts.com/compare/splitwise): Splitwise tracks group tabs but stops at the math. See why Flip logs the split and sends the Venmo request so you actually get paid.
- [Cleo vs Flip](https://fliptexts.com/compare/cleo): Cleo vs Flip: Cleo roasts your spending and upsells advances. Flip is a text-first money operator that finds and cancels charges and moves money with your okay.
- [Albert vs Flip](https://fliptexts.com/compare/albert): Albert vs Flip: compare Albert's $14.99/mo Smart Savings and Genius advice against Flip, the text-first AI money operator that does more, transparently.
- [YNAB vs Flip](https://fliptexts.com/compare/ynab): YNAB vs Flip: zero-based budgeting at $14.99/mo versus an AI money operator in iMessage that tracks spending and acts for you.
- [Monarch Money vs Flip](https://fliptexts.com/compare/monarch-money): Monarch Money vs Flip: Monarch is a polished net worth dashboard you pay for. Flip is an AI money operator in iMessage that acts.
## Articles
- [The Best Budgeting Apps of 2026 (Free and Paid) | Flip](https://fliptexts.com/articles/best-budgeting-apps-2026): An honest, up-to-date guide to the best budgeting apps of 2026: YNAB, Monarch, Copilot, Rocket Money, EveryDollar, Empower, and the text-first approach from Flip.
- [How to Manage Your Money by Text | Flip](https://fliptexts.com/articles/manage-money-by-text): A plain guide to managing your money over text instead of an app: what it can and cannot do, how texting compares to budgeting apps, and where Flip fits.
- [6 Best Mint Alternatives for 2026 (Compared) | Flip](https://fliptexts.com/articles/best-mint-alternatives): Mint shut down. Here is an honest 2026 comparison of the best replacements - Monarch, Copilot, Rocket Money, YNAB, Empower, and the text-first option from Flip.
- [How to Choose a Money App in 2026 (Budgeter vs Tracker vs Assistant) | Flip](https://fliptexts.com/articles/how-to-choose-a-money-app): A plain-English framework for choosing a money app in 2026: budgeter vs tracker vs assistant, free vs paid, and how Plaid bank-linking actually works.
- [Best High-Yield Savings Accounts of 2026 | Flip](https://fliptexts.com/articles/best-high-yield-savings-accounts-2026): An honest guide to the best high-yield savings accounts of 2026: Ally, Marcus, SoFi, Amex, and Capital One APYs, plus how to find the cash you have sitting at 0%.
- [How High-Yield Savings Actually Works (APY Explained) | Flip](https://fliptexts.com/articles/how-high-yield-savings-works): A plain-English guide to how high-yield savings accounts work in 2026: APY vs interest rate, compounding, FDIC insurance, and why cash in 0 percent checking loses to inflation.
- [Best Free Budget Templates for 2026 (Sheets & Excel) | Flip](https://fliptexts.com/articles/best-free-budget-spreadsheet-2026): Compare the best free 2026 budget templates for Google Sheets and Excel, including monthly, zero-based, and automatic transaction-tracking options.
- [Automate Your Budget: Stop Updating Spreadsheets | Flip](https://fliptexts.com/articles/automate-your-budget): Manual budget spreadsheets die by March. Here is how to automate transaction categorization, set up a check-in that sticks, and let the updating run itself.
- [How to Track Your Spending Automatically in 2026 | Flip](https://fliptexts.com/articles/track-spending-automatically): Stop hand-entering receipts. A plain guide to tracking spending automatically in 2026: auto-categorization, alerts, CSV export, and a method that sticks.
- [Free Budget Spreadsheet Templates That Actually Stick | Flip](https://fliptexts.com/articles/free-budget-spreadsheet-templates): The best free budget spreadsheet templates for 2026 (Google Sheets and Excel), plus the SUMIF setup and weekly-review habit that keep you from quitting by March.
- [How to Budget When Money Is Tight: 7 Strategies (2026) | Flip](https://fliptexts.com/articles/how-to-budget-when-money-is-tight): Seven practical ways to budget on a low or tight income: pay needs first, flex the 50/30/20 rule, build a tiny emergency fund, and attack high-interest debt.
- [7 Realistic Ways to Make Your Paycheck Go Further in 2026 | Flip](https://fliptexts.com/articles/make-your-paycheck-go-further): Seven practical, no-hype ways to stretch the same paycheck in 2026: cut forgotten subscriptions, negotiate bills, move idle cash to high-yield, and more.
- [How to Start Investing With $100 (2026 Beginner Guide) | Flip](https://fliptexts.com/articles/how-to-start-investing-with-100): A plain-English guide to investing your first $100 in 2026: emergency fund first, index funds and ETFs, Roth IRAs, fractional shares, and how much risk to take.
- [How to Save for the Holidays Without Going Into Debt | Flip](https://fliptexts.com/articles/save-for-the-holidays-without-debt): Build a holiday sinking fund, set a real gift budget, and dodge the January BNPL hangover. A practical 2026 guide to paying for the holidays in cash, not credit.
- [How to Never Miss a Bill Again (Autopay, Late Fees, Credit) | Flip](https://fliptexts.com/articles/never-miss-a-bill): A practical 2026 guide to never missing a bill: when late payments hurt your credit, autopay done safely, and how to build a bill calendar that runs itself.
- [Best Bill Pay Apps of 2026: Fees & Features | Flip](https://fliptexts.com/articles/best-bill-pay-apps-2026): Compare 2026 bill pay apps, bank bill pay, autopay, and reminders by cost and features, with a practical setup for avoiding late fees and overdrafts.
- [Bill and Money Reminders That Actually Work | Flip](https://fliptexts.com/articles/bill-and-money-reminders): Why bill reminders fail, and how to build a due-date and money check-in system that sticks. A practical 2026 guide to reminders you will not swipe away.
- [Best No-Monthly-Fee Bank Accounts (2026) | Flip](https://fliptexts.com/articles/no-monthly-fee-bank-accounts-2026): Compare the best no-monthly-fee checking accounts for 2026, including personal and business options, minimums, ATM fees, and overdraft policies.
- [How to Open a Bank Account Online: 6 Steps (2026) | Flip](https://fliptexts.com/articles/how-to-open-a-bank-account-online): A step-by-step 2026 guide to opening a US checking account online: what you need (SSN, ID, address), how long approval and deposits take, and what to do next.
- [Zelle vs Venmo vs Cash App: Fees, Limits & Safety | Flip](https://fliptexts.com/articles/zelle-venmo-cashapp-guide): Compare Zelle, Venmo, and Cash App in 2026 by transfer speed, fees, limits, fraud protection, and the best use case for each payment app.
- [How to Track Money Across Venmo, Zelle, and Your Bank | Flip](https://fliptexts.com/articles/track-money-across-payment-apps): Money across Venmo, Zelle, Cash App, and your bank is hard to reconcile. Here is a practical way to see it all in one place and catch what you are owed.
- [How to Send Money Instantly with Zelle (Limits, Fees, Safety) | Flip](https://fliptexts.com/articles/how-to-send-money-with-zelle): A plain-English guide to sending money with Zelle in 2026: how it works, transfer limits, whether it's free, and the scams to avoid before you tap send.
- [How to Receive Money With No Fees in 2026 | Flip](https://fliptexts.com/articles/receive-money-no-fees): The honest guide to getting paid for free in 2026: Zelle, ACH, and the friends-and-family rules on Venmo and Cash App, plus the fees that quietly cost you.
- [How to Create a Payment Link to Get Paid (2026) | Flip](https://fliptexts.com/articles/how-to-create-a-payment-link): A plain-English guide to creating a payment link with Stripe, PayPal, Square, or Venmo in 2026: setup steps, fees compared, and how to track who has paid.
- [How to Get Paid Faster as a Freelancer | Flip](https://fliptexts.com/articles/get-paid-faster-freelancer): Practical ways US freelancers get paid faster: tighter invoices, deposits, net-15 vs net-30 terms, ACH vs card, and polite late-payment nudges that actually work.
- [The Best Money Setup for Freelancers in 2026 | Flip](https://fliptexts.com/articles/money-setup-for-freelancers): A practical 2026 guide to freelancer money: split business from personal, set aside for self-employment tax, track deductions, and stay ready for 1099 season.
- [How to Set Up Your Finances When You Go Self-Employed | Flip](https://fliptexts.com/articles/finances-when-you-go-self-employed): A plain-English checklist for going 1099: get an EIN, open a business account, pay quarterly estimated taxes, and keep clean books so tax season is boring.
- [The Best Way for Freelancers to Track Income and Expenses (2026) | Flip](https://fliptexts.com/articles/freelancer-income-expense-tracking): How freelancers track 1099 income and expenses in 2026: what to record, the business-vs-personal mistake that costs you at tax time, and how to stay ahead.
- [Best Banks for Freelancers and Gig Workers (2026) | Flip](https://fliptexts.com/articles/best-banks-for-freelancers-2026): An honest 2026 guide to the best banks and accounts for freelancers, 1099 contractors, and gig workers: fees, tax tools, integrations, and lumpy cash flow.
- [Best Free Business Checking for the Self-Employed (2026) | Flip](https://fliptexts.com/articles/best-free-business-checking-self-employed): An honest 2026 guide to the best no-fee business checking accounts for freelancers, 1099 contractors, and solopreneurs, plus how Flip watches the fees and cash flow across them.
- [Best Business Bank Accounts for 2026 (Fees Compared) | Flip](https://fliptexts.com/articles/best-business-bank-accounts-2026): An honest 2026 guide to the best US business checking accounts: Mercury, Novo, Bluevine, Relay, Chase Business, and Found, with real fees compared side by side.
- [8 Best Business Checking Accounts to Open Online (2026) | Flip](https://fliptexts.com/articles/best-business-checking-accounts-online): An honest 2026 guide to the best online business checking accounts for LLCs, freelancers, and small businesses - fees, APY, and features compared side by side.
- [Run Your Small-Business Money From Your Phone (2026) | Flip](https://fliptexts.com/articles/run-small-business-money-from-your-phone): Run your small-business money from your phone in 2026: the best mobile invoicing, banking, and expense apps, plus how to stay reconciled for tax season.
- [The Hidden Fees Your Business Bank Is Charging You | Flip](https://fliptexts.com/articles/hidden-business-bank-fees): Wire fees, monthly maintenance, overdraft, ACH, and minimum-balance charges quietly drain business accounts. Here is how to spot every fee and cut it in 2026.
- [How to Make Your Business Cash Earn While It Sits | Flip](https://fliptexts.com/articles/make-business-cash-earn): Idle operating cash at 0% is a silent cost. Here is how US small businesses put money to work in high-yield savings, T-bills, and sweep accounts in 2026, safely.
- [How Small Businesses Can Accept Instant Payments in 2026 | Flip](https://fliptexts.com/articles/business-accept-instant-payments): A plain-English guide to instant payments for US small businesses in 2026: FedNow, RTP, and instant deposit on Square and Stripe, plus how to skip the fees.
- [QR Code Payments for Small Business (2026 Guide) | Flip](https://fliptexts.com/articles/qr-code-payments-small-business): How US small businesses take QR code payments in 2026: Square, PayPal, and Venmo, static vs dynamic codes, the real fees, and how to keep the money straight.
- [Best Card Readers for Small Business in 2026 | Flip](https://fliptexts.com/articles/best-card-readers-2026): An honest 2026 guide to the best card readers for US small businesses: Square, Stripe, Clover, SumUp, PayPal Zettle and Tap to Pay - rates, hardware, and how to pick.
- [Best Tap-to-Pay Apps of 2026: Fees Compared | Flip](https://fliptexts.com/articles/best-tap-to-pay-apps-2026): Compare 2026 tap-to-pay fees for Square, Stripe, PayPal Zettle, and SumUp, including the cheapest options for tutors, food trucks, and mobile sellers.
- [Best Mobile Card Readers With Instant Approval (2026) | Flip](https://fliptexts.com/articles/best-mobile-card-readers-2026): Square, SumUp, and Clover Go compared for 2026: sign-up speed, hardware cost, and real per-swipe fees. Plus how to track deposits and see what fees cost you.
- [Tap to Pay on iPhone and Android: The 2026 Guide | Flip](https://fliptexts.com/articles/tap-to-pay-on-phone-guide): How to accept card payments on your phone with no hardware in 2026. Tap to Pay on iPhone and Android with Square, Stripe, and Zettle: setup, fees, and limits.
- [Square Fees Explained: What You Really Pay in 2026 | Flip](https://fliptexts.com/articles/square-fees-explained): A plain-English breakdown of Square's 2026 processing fees: the 2.6% + 10c in-person rate, keyed and online rates, when Square is cheap, and the alternatives.
- [Credit Card Processing Fees for Small Business (2026) | Flip](https://fliptexts.com/articles/card-processing-fees-small-business): How card processing fees work in 2026: interchange, assessments, and processor markup explained, plus flat vs interchange-plus pricing and how to pay less.
- [The Cheapest Way to Accept Card Payments in 2026 | Flip](https://fliptexts.com/articles/cheapest-way-to-accept-cards): Flat-rate vs interchange-plus card processing, explained. When Square is cheapest, when a membership plan wins, and how to spot the fees eating your deposits.
