Commoner
The loan finder
- Finds loans and asks you to confirm
- Habits: helping, to watch, costing you
- Your Royal Standing
- What changing a habit could save
- Royal Forecast
- Answers to your questions
Advice from your own numbers
Royal Advisor
It reads your statements and tells you what it sees: the loans you are repaying, the habits that build your wealth and the ones that quietly drain it. Plainly, with your numbers, and without ever deciding for you.
Runs on our own servers. Your transactions are never sent to an outside AI company.
How it works
No forms to fill in about yourself. It starts from what your statements already say.
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Bring your statements
Import the files your bank lets you download, or connect a bank on Duke and King when bank sync opens.
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It reads them
Regular repayments, lenders, fixed amounts, delivery orders, fees, subscriptions, what stays of your income.
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It asks you
“Is this a loan?” Your yes or no is remembered, so it gets it right next time.
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It tells you plainly
What helps, what to watch and what costs you, with your Royal Standing from Squire to Sovereign.
What it reads
Health and donations are deliberately left out. Everything else is about what your money does, not who you are.
- Loans and debtsMortgages, car loans, cards, student loans and buy now, pay later.
- Eating out and ordering inHow often, how much, and whether it is growing.
- SubscriptionsOverlapping services and price rises, with help to banish them.
- Bank feesMoney that buys nothing.
- What staysThe share of your income you keep.
- Safety cushionHow many months your savings would carry you.
- Shopping burstsWeeks well above your usual.
- What is growingThe category that grew the most.
- Payday and weekendsWhen most of your money goes.
- Debt loadHow much of your income repayments take.
On every plan, and more on Duke and King
Every member gets the loan finder. Duke adds Royal Advisor Mini; King the full Royal Advisor.
Duke
Royal Advisor Mini
- Finds loans and asks you to confirm
- Habits: helping, to watch, costing you
- Your Royal Standing
- What changing a habit could save
- Royal Forecast
- Answers to your questions
King
The full Royal Advisor
- Finds loans and asks you to confirm
- Habits: helping, to watch, costing you
- Your Royal Standing
- What changing a habit could save
- Royal Forecast
- Answers to your questions
Paid plans are not on sale yet. Invite friends and you both get a month of Duke free. Invite friends
Built to be trusted
- Runs on our own servers. Your transactions are not sent to any outside AI or analysis company.
- It informs, it never decides: it does not move money, block anything or judge whether you can borrow.
- It never recommends a lender, a card or an investment, and nobody pays us to be mentioned.
- Health and donation spending are left out of the habit analysis.
- You can switch it off at any time; unanswered questions are deleted at once.
- Only you see what it finds. Our staff see only totals across all members.
Questions, answered
Is Royal Advisor an AI?
It is automated analysis built from rules and statistics we wrote and can explain, running on our own servers. We call it what it is: it reads patterns in your transactions, it does not chat with a language model, and your data is not sent to one.
Is it financial advice?
No. It describes your own past spending and does arithmetic with your numbers. It does not know your full circumstances and never recommends financial products. Decisions stay yours.
What if it gets a loan wrong?
Say no. It remembers and never asks about those payments again. You can change any answer later.
Do you use my habits for anything else?
No. Habits are worked out when you open Royal Advisor and are not stored. We never share them, sell them or use them for advertising or credit decisions.
Which plan do I need?
The loan finder is free on Commoner. Habits, your Royal Standing and the Forecast come with Duke, and answers to your questions with King. Invite friends to get them free.
Rule your money with an advisor at your side
Free to start. The loan finder works from your first statement.