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Origin
p/origin-4The #1 app to invest, get advice & track spend.
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Ben Lang

Origin - The #1 app to invest, get advice & track spend.

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Top Product
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Origin unites your finances with our all-in-one platform. Our app helps you budget, actively invest, and grow your savings with up to 5.8% APY (promotional rate). Plus, create a will and get AI-powered financial guidance when you need it.

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Matthew Watson
Maker
📌
Hey Product Hunt! I’m Matt Watson, founder of Origin. Origin is reimagining wealth management for the next generation. We’re an all-in-one platform, where you can track your spending and budget, actively invest, save, file taxes, and get expert financial guidance. We’ve come a long way from when we started 5 years ago… Back then, we launched Origin as a financial wellness benefit. We worked with leading employers to help their employees understand stock options. Equity was a black box. We started building and selling a product that helped employees understand their stock options and learn how to make smart financial decisions around equity. Then, we expanded into spending, net worth, and investment tracking and are now used and loved by employers such as DocuSign, Reddit, and Modern Health. We’re the #1 budgeting app in 2024, ranked by Forbes. Last year, we took our product direct to consumer. We brought online even more features beyond tracking—including tax filing and estate planning—to become the most comprehensive wealth-building platform. Today, we’re launching Origin on ProductHunt to celebrate the significant updates we’ve made to our platform and our new features. Here are a few of my favorites: * 5.8% APY* High-Yield Cash Account: Put your money to work with an industry-leading cash account at 5.8% APY* (promotional rate). * Intelligent AI-powered Insights: Get smart notifications on your spend velocity, credit score changes, and portfolio movement. * Improved AI guidance: Get an automated portfolio analysis and plan for retirement with AI-powered guidance. * Expert-built stock bundles: Invest in line with your interests with stock bundles such as Travel Titans and Cloud Capital. * Referral program: Invite your friends and family to Origin and earn rewards. We’re pumped to go live on PH, and we’d love to hear your questions and feedback! Thank you again for your support. Matt *See disclaimers here: https://www.useorigin.com/legal
Monica Mitchell
@mwatson my congratulations! I really like that Origin seeks to simplify financial management by merging numerous tools and services into a single platform, allowing customers to more easily attain their financial goals.
Paul Meister
@mwatson so excited for the world to see what we’ve been working on
Phounsouk
Maker
@max_savonin1 - yo yo! I'm the Product lead here for Origin Investments (aka brokerage), happy to answer a portion of this one for ya! Fees: Origin does NOT charge any AUM (assets under management or advisory fees) that you’d often find elsewhere, which can be anywhere from 0.25% to 1% at competitors! Any operational costs we may have are priced in and already included with your monthly or annual membership to the Origin platform. There are three ways to use Origin's brokerage platform: 1. The cash account provides access to an FDIC insured cash vehicle for shorter term savings needs. 2. The Automated Index account provides access to a variety of low-cost ETF-driven portfolios based on your risk tolerance and time horizon for longer term savings goals. 3. For investors who want to take a more hands-on approach, Origin offers Stock Bundles, which are typically 8-20 individual stocks tied together by a single theme or market trend. Bear in mind that the Stock Bundles are not actively managed and are non-discretionary in nature. Security: We utilize bank-level 256-bit AES encryption and data is transmitted securely via HTTPS protocols. Our systems are monitored 24/7 and we partner only with industry-leading data hosting and security providers. Our partners also practice similar security measures. Privacy: I think the basic user question here is probably, "Can I delete my account and data? And the answer is yes, just contact us. For our full privacy policy https://www.useorigin.com/legal/...
Ben Lang
Top Product
Hunter
Congrats team Origin! I was a heavy Mint user for years and sad when they closed it. Glad to finally find an alternative I'm happy to use and excited to see it keep improving so much.
Alex Pigott
Maker
@benln Thank you!! Let us know what you think :)
Sheel Mohnot
💎 Pixel perfection
I've been using this product for the past month and have been extremely impressed... I think this is the best product out there for someone who understands their finances. I work in fintech and try nearly every product out there. Most of the products are designed for people with very simple finances - a bank account, an investment account and that's about it. I have very complicated finances and honestly there isn't anything as comprehensive that actually works like Origin. It having (as far as I know) the best APY is just icing on the cake. Highly recommend it!
Rachel Cantor
Maker
@sheel_mohnot Love this!!! Thank you for checking us out and using Origin :)
Ben Rounds
Maker
@sheel_mohnot thanks for the product love! Especially appreciate the positive feedback from you as a fintech expert!
Phounsouk
Maker
@sheel_mohnot I'm also a DIY FinTech fanatic, tried everything and hated most, until I found Origin, loved it so much I took a job here haha. Glad you're enjoying that APY icing! Let me know if you have any feedback on the Cash account (it's my team)!
Aster Key Brad Blumberg
@sheel_mohnot That is a very interesting take "most of the products are designed for people with very simple finances". I've been saying similar, - 100 million people already manage their stocks and investments at Robinhood to Schwab to Coinbase - so yes I like the way you put it.
Phounsouk
Maker
As the product manager for Origin Invest (and our newly launched Cash account + Stock Bundles), I'm so excited and honored to be part of this incredible mission to democratize financial well-being! The wild part is... WE'RE JUST GETTING STARTED!
Ben Rounds
Maker
@phounsouk_sivilay LFG!!! 🚀🚀🚀
Gustavo Silva
Maker
@phounsouk_sivilay indeed! Excited to see more people saving for their future goals with proper guidance, support, educational content, and best-in-class investment instruments 🚀
Rachel Cantor
Maker
@phounsouk_sivilay YOURE AMAZING! YOU SHOULD BE SO PROUD.
Viktor Surkov
That's really awesome! I see that this space is still unfilled since there are a lot of apps, but all of them are different, and I do like your approach! Installing it and giving it a try!
Rachel Cantor
Maker
@viktor_surkov Let us know what you think! We’re always open to feedback.
Gustavo Silva
Maker
I couldn't be more excited about this launch! We genuinely believe wealth management should be made different for everyone. Managing your finances should be simple, intuitive, fun, and enlightening. Please check it out, and do not hesitate to share feedback. We are here for you, with you ❤️
Rachel Cantor
Maker
@gustavo_h_silva Same!! I'm so pumped about this moment. Going down in Origin history!!
Kyrylo Silin
Hey Matthew, How do you ensure the AI's recommendations are suitable for each user's individual financial situation? Do you have plans to integrate with popular budgeting apps for users who want to keep using their existing tools? Congrats on the launch!
Gustavo Silva
Maker
Hey, Kyrylo (@kyrylosilin)! Welcome to our launch ❤️ Generative AI has brought the world so many opportunities and potential, but it's in its infancy, and I must say that we, as engineers, are only scratching the surface. So much is yet to come! Answering your question, we have a few layers to support our AI to guide people appropriately: (1) Members can upvote or downvote, and that is shortlisted for our internal ongoing manual review (2) We have trained the model (and continuously do so) in partnership with multiple certified financial advisors to support an unbiased and fiduciary approach (3) We have been in the market providing holistic financial advice for hundreds of people for the last five years, so that has supported us quite extensively in training the absolute best AI model in the market for his specific purpose (4) All messages exchanged from Sidekick (our AI) emphasize the importance of consulting a certified and fiduciary financial advisor before any substantial change in your financial plan (5) At Origin, our members can also schedule video calls with certified financial advisors to polish the AI recommendations they might have received and further build a custom list of actions that leverage the best of AI and human-led financial advice! To your point about integrations, we allow full historical data import from Mint if you were using them in the past) and is looking for alternatives. Thanks for your thoughtful comment, and I genuinely hope you enjoy the experience in our app!
Ben Rounds
Maker
@kyrylosilin great question! We tailor each individual's personalized guidance by using data from connected accounts. This automates much of the manual process you would do if you worked with an in-person financial advisor where they would need to ask and manually record your account info. We work will the leading account aggregators like Plaid, MX, and Finicity. And we're constantly adding more to help more people see their full financial picture in Origin!
Daniel Kaplan
We’re building something truly special, extremely helpful, and exceptionally beautiful. Lots more to come!
Alex Pigott
Maker
@daniel_kaplan3 exceptionally beautiful is right!!!
John Guerson
This is huge! This is absolutely insane, so thrilled to be a part of Origin in such as time as this. Congratulations everyone and let's go for it!
Rachel Cantor
Maker
@john_guerson So pumped for the team! HUGE LAUNCH.
Alex Lavian
Maker
I couldn’t be prouder of what we’ve achieved together over the past few months. From expanding our suite of investing products to making AI a true differentiator in the market that helps you answer money questions in real time, we are now the most powerful wealth building platform.
Rachel Cantor
Maker
@alex_lavian So pumped these features are live! I think it's what makes our product so special and shine.
Chad Schneider
Big day for Origin today! Wealth management has historically been confusing, complex and frankly scary for most people. Navigating the financial system is not easy. Origin has reimagined this space and brought together an incredible all-in-one platform for spending, budgeting, saving, filing taxes and getting the world class advice and guidance.
Gustavo Silva
Maker
@chad_schneider Let's go! 🚀
Richard Song
Congratulations on the launch, @mwatson! The combination of budgeting, investing, and savings in one platform is very appealing. The high-yield cash account is a game changer. How seamless is the onboarding process for users new to financial management? Looking forward to exploring Origin more!
Rachel Cantor
Maker
@mwatson @renchu_song Hi! I'm Rachel, and I'm a Product Marketer on our Growth team. Onboarding is super seamless. We make managing your money really simple with a straightforward onboarding process and clean UI. I was totally new to financial management and Origin made it a breeze for me. Happy to answer more questions!
Alex Pigott
Maker
Wow, being part of this launch has been such a career highlight! It's been amazing to build something with this incredibly talented group of people, all while bringing our big dream to life – making wealth management more accessible. With this launch, our members can now see all their finances in one spot, get smart tips to level up their money game, and actually put those ideas to work by investing, saving, or planning for retirement (all without having to spend thousands of dollars a year!!). I'm totally blown away by how gorgeous the app looks! Big congrats to everyone at Origin – I can't wait to see what we cook up next!
Rachel Cantor
Maker
@alex_pigott Such a team effort. Origin really is that place to build wealth. We did it.
Hígor Fonseca
Excited about all the features in this launch! Really proud to be part of this team. #goOrigin
Rachel Cantor
Maker
@higfonseca Me too!
Liz Harder
Maker
Interviewing customers, working with this team, and building a product that I believe will truly make a difference in people's lives has been such a career high! Everyone deserves to feel confident about about their finances and I know Origin can help you get there! Take it for a spin and let us know what you think.
Rachel Cantor
Maker
@lizh_3 I feel the same way!!!!!!
Victor Hugo
I'm really excited about this launch! Super proud to be part of this team, can't wait for everyone to test all the new features!!
Rachel Cantor
Maker
@victor_hugo28 Torugo! It's a big day for everyone. Always thank you for your partnership. So pumped about the proactive notifications going live so we can help our members manage their money in real time or when they're on the go.
Mitia
Definitely an interesting one. Good luck with launch!
Rachel Cantor
Maker
@mitia Thank you so much! We're excited to be live on PH!
Kavya Tripathi
Congratulations The design seems really beautiful ✨
Rachel Cantor
Maker
@kavyaaatripathi Thank you! @okaykap and the design team crushed it.
Elie Landesberg
Finally keeping it all in one place. i never thought i would be so stoked on a finance app but here we are.
Rachel Cantor
Maker
@elie_landesberg woo! same!!
Kevin Sachs
LFG, Origin team!!! The everything finance app keeps bringing the fire to what us everyday consumers need and want.
Gustavo Silva
Maker
@kevin_sachs Thank you! Hope you enjoy checking it out.
Rachel Cantor
Maker
@kevin_sachs Thank you for the note! So excited for you to check it out.