Johnny F. Banks

The future of money.

Banks profit from complexity

Traditional banks are built on opacity and complexity. The more confused you are, the more you pay in fees, overdrafts, and suboptimal products. They have no incentive to help you understand your finances—clarity would hurt their bottom line.

Duolingo doesn't work

Learning about compound interest in isolation doesn't help when you're deciding whether to order delivery at 11 PM. Information without context creates knowledge, not behavior change.

Analysis paralysis

Faced with overwhelming choices, people freeze. The fear of making the wrong decision—combined with loss aversion—often results in doing nothing at all, which is far more detrimental long-term than making an imperfect choice.

LEARN

Learn

Upload your bank statement and get an instant Financial Clarity Report. Our AI reveals your spending patterns, highlights strengths, and identifies improvement areas—like a health check for your money.

Coming soon: Smart micro-lessons (under 90 seconds) that pop up exactly when you need them, based on your behavior.

Simulate

Make money decisions visual and interactive with our signature feature.

See your money as blocks:

Present View: Your income is a large green container. Expenses and savings fit inside as colored blocks. Empty space = money left over.
Future View: Each goal (emergency fund, vacation, apartment) appears as a progress bar showing how close you are.

Play with possibilities:

Drag expenses between categories and watch your goal timelines shift in real-time
Run "what-if" scenarios: "If I cut coffee spending by 3,000 RSD monthly, when can I afford that trip?"

Execute

Track multiple goals simultaneously with weekly progress reports and AI-powered nudges designed using behavioral economics:

Money Jars – Visualize trade-offs between competing priorities
Time-Based Spending – See purchases as "days until goal" or "hours worked"
Future Self Contracts – Make commitments to the person you want to become

Soon: Direct banking integration to execute your plan automatically.

LEARN

Coming soon: Smart micro-lessons (under 90 seconds) that pop up exactly when you need them, based on your behavior.

Simulate

Make money decisions visual and interactive with our signature feature.

See your money as blocks:

Present View: Your income is a large green container. Expenses and savings fit inside as colored blocks. Empty space = money left over.
Future View: Each goal (emergency fund, vacation, apartment) appears as a progress bar showing how close you are.

Play with possibilities:

Drag expenses between categories and watch your goal timelines shift in real-time
Run "what-if" scenarios: "If I cut coffee spending by 3,000 RSD monthly, when can I afford that trip?"

Execute

Track multiple goals simultaneously with weekly progress reports and AI-powered nudges designed using behavioral economics:

Money Jars – Visualize trade-offs between competing priorities
Time-Based Spending – See purchases as "days until goal" or "hours worked"
Future Self Contracts – Make commitments to the person you want to become

Soon: Direct banking integration to execute your plan automatically.

JFB is built on the OODA Loop — a rapid decision-making framework originally developed for Air Force pilots.

Observe

See where your money actually goes—in real-time, without judgment.

Aggregate all accounts in one place

Track every transaction's impact on your goals

Get surprising insights that reveal hidden patterns

Orient

Make abstract decisions tangible and understand why you do what you do with your money.

Drag expenses between categories and see goal timelines shift instantly

Run "what-if" scenarios before committing

See trade-offs visually, not just as numbers in spreadsheets

Decide

Turn understanding into commitment with behavioral nudges and strategic planning.

Multi-goal planning with weekly Financial Clarity Reports

AI-powered insights using behavioral economics (mental accounting, loss aversion reframing, future self contracts)

Clear recommendations based on your goals and trade-offs

Act

Coming soon: Do it all in one place with direct banking integration.

Execute decisions automatically through connected accounts

Open savings/investment accounts via APIs

Turn your financial plan into reality without switching apps

We don't tell you what to do. We help you understand WHY you do what you do, then empower you to make choices that stick

Get Custom Solution

We don't tell you what to do. We help you understand WHY you do what you do, then empower you to make choices that stick

Get Custom Solution

We don't tell you what to do. We help you understand WHY you do what you do, then empower you to make choices that stick

Get Custom Solution

We don't tell you what to do. We help you understand WHY you do what you do, then empower you to make choices that stick

Get Custom Solution