Financial Wellness for Work
NAVI is your AI financial wellness benefit. It connects to your payroll, understands your patterns, and surfaces insights — privately, on your terms.
Welcome, Allen
NAVI watches your cash flow so you don't have to. No spreadsheets, no budgeting homework — just timely nudges when something needs your attention.
What NAVI does for you
Step 1 of 3 — Data Sources
NAVI reads your data to build a complete financial picture. Read-only — it never initiates transfers or shares your data.
TechCorp Payroll
Direct Deposit · Bi-weekly
Chase Checking
···· 4821
Amex Platinum
···· 2847
Step 2 of 3 — Your Goal
NAVI will validate this against your payroll and spending data before committing to a timeline.
Choose a goal above so NAVI can build the right plan.
Target
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Proposed timeline
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NAVI will validate this. Based on your payroll and spending data, the actual timeline may differ — you'll see the full reasoning before we confirm.
Step 3 of 3 — Analysis
NAVI is analyzing your payroll history, spending patterns, and financial position.
NAVI couldn't connect to your financial data.
Your information was not changed. Check the connection and try again.
NAVI
via TechCorp Benefits
Allen Smith
Month 3 · Emergency Fund
NAVI DATA CLEARED
Your goal, check-ins, recommendations, alerts, and transactions were removed from this prototype session.
Start a new session to connect data again. NAVI will ask before it acts.
June 27, 2026 · Payday in 6 days
Here's your financial pulse.
Your weekly briefing is ready. 2 items to review before your July 3 paycheck.
{{ recommendationConfidence }}% confidence · Source: TechCorp Payroll · Chase Checking · {{ analysisWindow }} transaction window
Monthly Take-Home
$6,500
{{ paycheckDisplay }} · bi-weekly
Flexible Spent
$1,720
/ $2,000
$280 left · 3 days remaining
June Savings
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NAVI Insights
Jun 27
June dining ($487) is 50% above your $325 average.
On track for June — $3 under your flexible budget, your best month since April.
4 unused subscriptions total $72.97/month.
Flexible Spending
Jun · $1,720 tracked
Recent Transactions
Last 5
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No transactions yet
NAVI will show recent activity after a connected account sends new data.
Weekly Check-In · Jun 27, 2026
NAVI reviewed your payroll, upcoming bills, and spending. Here's what matters this week.
NAVI BRIEFING
Automated · Jun 27, 9:00 AM · {{ recommendationConfidence }}% confidence · Source: TechCorp Payroll · Chase Checking ····4821
Next Paycheck
{{ paycheckDisplay }}
Jul 3 · 6 days
Other Bills
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Netflix + Phone
Checking Balance
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After rent: {{ spareDisplay }}
Amex Balance
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Due Jul 15
Your checking balance ({{ checkingDisplay }}) covers rent ({{ rentDisplay }}) on July 1 with {{ spareDisplay }} remaining. Your July 3 paycheck covers the other bills ({{ otherBillsDisplay }}) and Amex balance ({{ amexDisplay }}), leaving {{ paycheckRemainderDisplay }}. No action required this period.
NAVI Recommendations
Pay your Amex balance in full on July 3 — your paycheck covers it without affecting your emergency fund contribution.
Why are you overriding this?
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4 subscriptions (Hulu, Headspace, Duolingo, Gym) haven't been used in 30+ days. Cancelling saves $72.97/month — $875.64 annually.
Why are you overriding this?
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Check-in reviewed. NAVI will follow up next week.
Active Goal · Started April 2026
$10,000 target · Auto-transfer on payroll deposit
{{ goalPct }}%
Saved
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of {{ goalTargetDisplay }}
Monthly Save
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Timeline
{{ goalMonths }} mo
Goal Date
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Monthly Contributions
* June in progress
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NAVI's Savings Plan
$400 → {{ monthlySaveDisplay }}/month
Cancel 4 subscriptions
Hulu · Headspace · Duolingo · Gym
Reduce dining 31%
$325 avg → $225 target
Cap monthly shopping
$480 avg → $360 target
Reduce entertainment
$185 avg → $130 target
NAVI never cancels anything or moves money without your confirmation. Human override is always available.
NAVI AI Analysis
Active · Month 3 context · TechCorp Payroll connected
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Why are you overriding this?
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NAVI
App · TechCorp Financial Wellness
May check-in complete. Your emergency fund is {{ goalPct }}% funded ({{ totalSavedDisplay }} of {{ goalTargetDisplay }}). The {{ monthlySaveDisplay }}/month plan is active.
Weekly Check-In · June 27
Hey Allen — your pay period looks clean. One item for your review before July 3.
NAVI recommendation
Pay your Amex balance ({{ amexDisplay }}) in full on July 3. Your paycheck covers it. Avoids ~$22 in interest charges. Emergency fund: {{ goalPct }}% funded · {{ planLabel }} · {{ totalSavedDisplay }} of {{ goalTargetDisplay }}.
{{ recommendationConfidence }}% confidence · Source: TechCorp Payroll · Chase Checking · {{ analysisWindow }} transaction window
Why are you overriding this?
✓ {{ slackReply }}
NAVI Flagged · Jun 27, 2026
Significant deviation from your 90-day baseline detected. Review and respond to keep your goal on track.
Dining & Drinks — June 2026
June spend so far
$487
26 of 30 days · +50% above avg
90-day average
$325
Apr · May · Jun baseline
NAVI analysis: Two high-value charges: $127.50 at Nobu (Jun 20), $68.40 at Clio Wine Bar (Jun 18). At current pace, June dining ends at ~$524 — $199 above baseline.
96% confidence · Source: Chase Checking · dining transaction records
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June savings
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vs {{ monthlySaveDisplay }} target
Timeline shift
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New goal date
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was {{ previousGoalDate }}
Respond to this alert
No alerts right now
NAVI will let you know if a new transaction needs your attention.
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Privacy & Data Controls
NAVI shows you exactly what data it uses and gives you full control. HR at TechCorp cannot see your personal financial data.
Connected Data Sources
TechCorp Payroll
Direct Deposit · Last synced: Today, 6:00 AM
Chase Checking ····4821
Last synced: Today, 11:24 AM
Chase Savings ····9203
Last synced: Today, 11:24 AM
Amex Platinum ····2847
Last synced: Today, 9:15 AM
AI Behavior Controls
Analyze spending patterns
Allow NAVI to categorize and analyze your transactions to generate insights.
Share aggregate data with TechCorp HR
OptionalHR sees only anonymized, aggregated wellness scores. Your personal finances are never shared.
Show confidence scores on all suggestions
Display NAVI's certainty level and data sources for every recommendation.
Require confirmation before any NAVI action
NAVI will always ask before it acts — it cannot move money or cancel subscriptions without explicit approval.
Data Management
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✓ {{ dataNotice }}
Your financial data is processed on-device and encrypted in transit. TechCorp does not have access to your personal account details, transaction history, or individual financial data. Aggregate wellness metrics, if you opt in, contain no personally identifiable information.
Settings
Change notification and check-in preferences. Updates apply to this prototype session.
Notifications
Proactive alerts
NAVI can surface unusual spending and goal drift.
Weekly check-in
Receive a Friday review in your connected Slack DM.
Check-in frequency
Current setting: {{ checkinCadence }}
Why NAVI Said This
{{ planLabel }} · {{ explainerConfidencePct }}% confidence
Data Used
Alternatives Considered
41% reduction required · 67% reversal rate before Month 5
34% reduction required · 61% reversal rate before Month 5
23% reduction required · 19% reversal rate before Month 5
Confidence Breakdown
{{ explainerConfidencePct }}%NAVI has only 90 days of data. Your Q4 spending (holidays, travel) is not captured and represents the largest source of uncertainty in this model.
What Would Change This
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Disputing flags this data for review and removes it from NAVI's model. Your financial history remains intact.