How Ruby Works

Ruby helps you prolong your independence by organizing important care information and keeping an eye on financial activity.


Ruby uses secure online storage and view-only data from existing financial accounts so that your family has access to the right information when they need it.
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Bank-level security | 256-bit SSL encryption

Create a Ruby Circle.

Name your Circle

Create a space for you and your trusted family members to access and organize financial details. Name your Circle either your own name or the name of the person the Circle is for!

Get organized with the Vault

Ruby provides a handy checklist to help you know what information might be helpful to have on hand when aging at home.

See everything in one place

Upload important documents and information – will, power of attorney, accountant contact, etc. – that you and your family might need to access. The Ruby Vault is protected by bank-level security from First Horizon Bank.

Access information from anywhere

Through your online Ruby account, you can access all the information in your Ruby Vault anytime, anywhere.

Get financial clarity and peace of mind.

Connect financial accounts

With your login information, connect the checking, savings, and credit card accounts that you’d like to keep an eye on. Ruby uses bank-level security with 256-bit SSL encryption and read-only access.

See monthly overviews

Ruby creates a Monthly Summary of financial activity for the month so far, as well as reports for the previous month so you can truly understand checking, savings, and credit card activity across multiple accounts.

Get weekly snapshots

Ruby provides weekly high-level snapshots of checking, savings, and credit card account activity right to your inbox. Review activity in seconds and spot any unusual activity that needs a closer look.

Set up custom Alerts *

Set up custom alerts for signs that might signal a problem — balances, budgets, missed deposits, high spending, and more. Alerts span all connected accounts and are delivered right to your mobile phone.

*Coming early 2020

Ruby is here to help.

Sign up today and get three months free, no credit card required. After your trial, continue for just $4.99 per month.

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Bank-level security | 256-bit SSL encryption

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