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E
Private Household Operating System

One place.
Everything
your household
needs to know.

Bills, insurance, health records, family payments, and obligations - unified in a private AI layer that works for you. Your data stays yours. Intelligence comes to you.

Join the Waitlist See How It Works ->
Original Ettache
Founded 1999 - Acquired
Reimagined 2026
Financial Aggregation .Health Record Vault .Bill Negotiation .Family Coordination .Medical Bill Auditing .Subscription Intelligence .AI Personal Agent .Private by Default .Financial Aggregation .Health Record Vault .Bill Negotiation .Family Coordination .Medical Bill Auditing .Subscription Intelligence .AI Personal Agent .Private by Default .
02 - The Problem

Your household has no operating layer.

Affluent families manage 8-15 different apps, portals, and tools - and none of them talk to each other. The result: missed bills, surprise price increases, lost health records, and hours of invisible administrative labor every month.

There is no private, trusted AI built for the complexity of real household life. Until now.

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Financial Fragmentation

Bills, subscriptions, insurance, property taxes, HSA, and school expenses are scattered across portals with no unified view.

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Health Record Chaos

Records, EOBs, and prescriptions live in separate systems, making decisions slow and error-prone.

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Coordination Gap

Approvals happen over text while one partner carries most of the invisible household workload.

"The winning product is not an LLM app. It is a private personal data vault with an intelligence layer on top. AI comes to your data - not the other way around."
The Ettache Principle
03 - Architecture

Four layers. One trusted system.

Each layer adds value independently. Together, they compound into something no competitor can replicate.

1
Foundation

Private Data Fabric

User-owned encrypted vault across finance, health, and household obligations.

2
Intelligence

Private Reasoning Engine

Household-specific AI reasoning over your data, not generic internet chat.

3
Action

Household Action Layer

Payments, disputes, claims, cancellations, and approvals done with clear controls.

4
Coordination

Communication Layer

Shared operational feed for what is due, changed, approved, and completed.

04 - Features

Everything your household needs.

Household Money Ops

  • Obligation RadarEverything due in 14-30 days.
  • Surprise DetectorRecurring charge increase alerts.
  • Subscription AuditFinds redundant or wasteful spend.

Health and Insurance Ops

  • Health Record VaultPrivate, searchable records across family.
  • EOB DecoderPlain-language insurance explanations.
  • Deductible TrackerReal-time progress and out-of-pocket status.
05 - The Personal Agent

Ettache does not just inform you. It helps handle it.

Authorized workflows for calls, negotiations, approvals, and household operations.

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Outbound Calls

Handles service-provider conversations on your behalf.

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Negotiation

Negotiates rates and resolves billing errors with context.

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Approvals

Acts only within explicit boundaries and consent.

Plans for every household.

Founding member pricing for early waitlist signups.

Core
$19
/ month
  • Core tracking and alerts
  • Health vault basics
Join Waitlist
Private
$149
/ month
  • Everything in Plus
  • Priority concierge support
Join Waitlist
06 - Trust Architecture

Your data stays in your vault.

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Private by Default

No training on your personal data.

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Transparent Memory

See what data is known and why.

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Approval Automation

Approvals before sensitive actions.

Get Early Access

Finally. One place your household can trust.

Join the founding member waitlist. Early access pricing locked for life. No spam - one email when we're ready for you.

Private by default. Your data stays yours from day one.