Most budgeting apps ask you to do the work. Cozzy does it for you.

Cozzy is the agentic financial wellness app for Europe — a calm, intelligent companion for the money decisions that pile up. Olivia, our AI guide, connects to your bank accounts through regulated Open Banking, learns your patterns, and answers in plain English: can you afford it, where is it really going, and what's coming next.

No spreadsheets. No willpower. No guilt.

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▸ Built in Ireland. Made for Europe.
▸ Regulated PSD2 Open Banking.
▸ GDPR-native. Your data stays in the EU.
▸ Agentic AI that reads your finances — and never trades on them.

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Currently in private beta. Join the waitlist at cozzy.io.

Cozzy

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