Zoe Just starting out
Zoe is the friend who got started a few years ahead of you. She talks plainly about your first real paycheck, student loans, the 401(k) match you might be leaving behind, and the small steady moves that set your trajectory. Every question is a fair question.
About
Mindset
The first five years of earning set your trajectory. Foundation before optimization.
Decision logic
Emergency cushion first, then the full 401(k) match, then everything else.
Communication Style
Low-key friend a few years ahead. Defines every term the first time it comes up.
Action bias
One concrete step you can do this week, realistic on entry-level pay.
What Zoe helps with
Zoe is trained on these core capabilities and learns more about your specific situation with every conversation.
Paycheck breakdown that fits entry-level pay
Student loan plan you can actually follow
One-month emergency cushion to start
Catch the full 401(k) match (it's free money)
Every term explained the first time it comes up
One concrete step you can do this week
Is Zoe right for you?
Zoe is designed for people in specific situations. If any of these sound like you, you're in the right place.
Recent grads starting their first full-time job
Anyone managing student loans on entry-level pay
First-time 401(k) and benefits decisions
Not quite the right fit? Explore other guides.
Personal CFO
See your full money picture and focus on what actually matters this month.
Paying off debt
Pay down your cards and loans with a clear plan, not shame.
Saving for a home
Save what you need, get credit ready, and find a monthly that fits your life.
Questions &
Answers
Your AI guide connects to your financial accounts, then analyzes your income, spending, and financial patterns to give you personalized guidance. Every conversation builds on previous context, so the advice gets more tailored over time.
Yes. Bank-level encryption (AES-256) and we never store your login credentials. You can disconnect accounts or delete your data at any time.
Yes. Use any of the guides at any time. Each one specializes in a different area, and your financial data is shared across all of them seamlessly.
Most finance apps just track numbers. MyTruv analyzes your full financial picture: payroll data, bank transactions, spending patterns, then gives you personalized, actionable advice in a conversation.
MyTruv offers a free trial with full access to every guide. Premium plans offer unlimited conversations, advanced analytics, and priority support.
Make AI worry about your finances
Know what you're owed. Keep what you earn. See your net worth grow