The micro-savings app that turns spare change into a safety net.
of American households can't cover a $1,000 emergency
Willpower-based saving doesn't work. People need a system that operates in the background, automates good behavior, and removes friction.
Open-banking API coverage climbed from 18% to 84% between 2019 and 2025, unlocking secure real-time cash-flow visibility for the first time.
Securely connect your checking account in under 60 seconds via Plaid.
Tideline analyzes your income cadence, recurring bills, and spending patterns.
Smart sweeps move money only when your balance can handle it. Zero stress.
U.S. personal savings market, all tools and methods
Digital micro-savings tools (automated round-ups, sweeps)
Reachable market at $4M ARR by month 36
$3/month for unlimited round-ups, smart sweeps, and goal jars. Simple, transparent, no tiers.
Tideline-branded debit card with round-up boost; we earn interchange on every swipe.
Sweep balances deposited at partner banks; we share in the yield while user funds remain liquid.
38,000 active savers · 71% 90-day retention · organic growth
Ex-Plaid, led open-banking partnerships. Knows the rails that make this possible.
Ex-Chime, architected transaction systems at consumer scale. Built for millions.
Ex-Betterment, designed goal-based investing flows. Makes complex simple.
to reach $4M ARR in 18 months