Get Wise.
Stay in the Black.
Ask real money questions and get answers built from your own numbers. From your first college budget to running a multimillion-dollar company, BlackWise shows the math, the assumptions, and the levers you can pull.
Personal
Business
Your numbers in. Clear answers out.
Every answer uses formulas you can audit. AI helps explain, and you can switch it off at any time.
Bring in your levers
Bank accounts, loans, pay stubs, QuickBooks and tax forms, pulled in only with your consent.
Ask "Can I…?"
Afford a car, pay off loans, elect S-corp, hire someone. Each answer shows the result, the assumptions, and which data it used.
Loop in your pro
Send a scenario to your CPA or bookkeeper to review. Invited accountants never pay.
One app from your first budget to your first hundred employees.
Personal and business stay separate
Your bookkeeper sees the business, never your personal accounts. Owner View reads across both, only for you, to answer whole-life questions.
AI is optional, always
Every scenario works with AI off. Turn the Coach on when you want plain-English explanations.
Be first in line.
Beta testers lock in founding pricing for life. iPhone first, Android and web next.
Education plus hands-on tools.
Learn the concept, then run it on your own numbers.
For individuals
- Budget builder for college and first jobs
- Debt payoff: avalanche vs snowball, extra payments
- "Can I afford this?" for cars, homes and big purchases
- Goal tracking: emergency fund, down payment, retirement
- Tax Center: W-2, 1099 and quarterly estimates
For owners
- QuickBooks and bank connections
- Cash flow, runway and break-even
- S-corp election and reasonable salary estimates
- Hiring, loan and price-change scenarios
- Seats for partners, bookkeepers and team members
Money lessons that fit your stage
Short lessons tied to the tool you're using, from credit basics to reading a P&L.
For accountants and firms
Multi-client review queue, client-shared scenarios, and firm plans. Accountants invited by a client use BlackWise free.
Free for you. Fair for your business.
Beta pricing. Founding members keep their price for life.
Budgets, debt plans, goals, lessons and personal scenarios.
Owner plus one seat, QuickBooks and one bank, every business scenario. Extra seats $7 / mo.
Review queue across clients, bulk edits and volume discounts. Invited accountants pay nothing.
AI features are included on every paid plan and can always be turned off. Prices are placeholders during beta.
Making complex money simple.
BlackWise is built by JMM Group, a finance, accounting and tax firm that works with individuals, nonprofits and growing businesses. We kept seeing the same thing: people make big money decisions without seeing the math behind them.
So we built one place where your personal and business finances live, connected to the professionals who help you, and able to answer real questions with your own data. Every number shows its formula. Nothing is a black box.
What we believe
- Transparency first. You should see what you pay in interest, taxes and fees.
- Education and tools belong together.
- AI should help, never decide, and it should always have an off switch.
Get in touch
Partnerships, press or questions: info@blackwiseai.com
Privacy Policy
Draft for attorney review. Not yet in effect.
What we collect
Account details (name, email), financial data you choose to connect (bank, loan, payroll, accounting and tax documents), and basic usage data to keep the app working.
How we use it
To run your scenarios, show your dashboards and share data with professionals you invite. We do not sell your data.
Your controls
Disconnect any account, turn AI off, export or delete your data at any time from Settings.
Security
Data is encrypted in transit and at rest. Bank connections use read-only access through regulated providers.
Contact
Questions about your data? Email info@blackwiseai.com.
Terms of Service
Draft for attorney review. Not yet in effect.
Education, not advice
BlackWise provides educational tools and estimates. It is not investment, tax or legal advice. Talk to a licensed professional before acting.
Your account
Keep your login secure. You're responsible for activity on your account and for the accuracy of data you enter.
Subscriptions
Paid plans renew until canceled. You can cancel anytime; access continues to the end of the billing period.
Changes
We'll notify you before material changes to these terms.