Clear, not clever
Plain language and useful answers. No financial theatre.
Smarter money, beautifully simple
More clarity.
More choice.
More yours.
From board reports and meeting decisions to invoices, contracts and subscriptions. Find the tool for your next step.
Explore our toolsThe collection
Eleven tools. Better decisions.
By Pearls turns complicated financial questions into a calm, practical next step—whether you are leading a company or running a home.
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All tools · Available in beta
LeadershipBeta
BoardBrief
Turn monthly reports and KPIs into a board brief, risks and actions.
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Cash flowBeta
Chase
Prioritize overdue invoices and decide who to follow up today.
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Cash flowBeta
Invoice Detective
Find anomalies, overdue amounts and customer concentration in receivables.
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ContractsBeta
TermsCheck
Extract payment terms, cancellation rights, indexation and commercial risks.
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CompaniesBeta
CompanyWatch
Look up Norwegian companies and compare changes in official register data.
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SalesBeta
PriceLetter
Draft a clear price increase notice and responses to customer objections.
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LeadershipBeta
Meeting → Decision
Turn meeting notes into decisions, owners, deadlines and open questions.
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CostsBeta
SaaS Cost Police
Identify recurring software costs and possible savings.
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ContractsBeta
Compliance Copilot
Review a data processing agreement and identify missing provisions.
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SalesBeta
Should I Build This?
Research competitors and demand before building your idea.
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CostsBeta
Streaming Cost Police
Review streaming subscriptions, recurring costs and possible savings.
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Use the tools from ChatGPT and Claude
Connect By Pearls to use analyses and your CompanyWatch list where you already work. Sign-in is required. CompanyWatch is refreshed manually in this first release.
Connection instructionsOur promise
Financial confidence should feel good.
Private by design
Your financial life belongs to you. We build accordingly.
Built for real life
Practical choices for real homes, careers and ambitions.
In short
What is By Pearls?
By Pearls is a Norwegian product studio creating simple digital money tools for small businesses and consumers. Its products help people find unnecessary costs, understand spending and make better financial decisions.
What does SaaS Cost Police do?
SaaS Cost Police analyses transactions with AI after sign-in and highlights recurring software costs, price increases and possible overlaps.
What does Streaming Cost Police do?
Streaming Cost Police collects your streaming subscriptions, calculates monthly and annual costs, and suggests services to keep, pause or cancel.
How is my data handled?
By Pearls is built around data minimisation. AI tools send your input to OpenAI when you start an analysis. Usage analytics requires consent.