Your AI Spending Advisor

Buy Less,
Buy Better.

Veto is the AI spending advisor that intercepts impulse purchases before checkout. Run the Gauntlet. Get a verdict. Buy what actually matters with conviction.

Veto dashboard
Veto web app showing a Deferred verdict
The $3,820 Problem

Impulse buying costs consumers on average $3,820 a year.

Retailers, social platforms, and BNPL lenders engineer every click to bypass your restraint. The average consumer loses $3,820 a year to purchases they barely think about, driving $100 billion in return waste. 62% of workers report financial stress that directly impacts their health and productivity. See how your cohort compares with our Impulse Savings Calculator.

Our economy has created a system designed to make you spend without friction. Veto helps you reclaim your intention at the moment of decision.

$3,8201 Annual impulse spend per person That's $318/month or ~$44,000 invested over 8 years.
34%2 Financial stress from impulse purchases PwC Employee Financial Wellness Survey.
20-40%3 Cart size increase with BNPL Buy-Now-Pay-Later options inflate impulse spending.
$100B4 Annual retail loss from impulse returns NRF Consumer Returns in Retail Industry Report.
Why Veto Works

AI that understands
why you spend.

Standard AI chatbots can just guess responses. Veto combines deep understanding of consumer psychology with neurosymbolic logic to give you honest and credible spending advice.

📊
01

Presents the Facts

Puts every purchase into perspective against your real lifestyle expenses—answering what this item is truly worth relative to your personal goals and financial priorities.

Lifestyle Perspective
🔬
02

Decodes the Psychology

Every spend has a hidden trigger. Veto evaluates your purchase across the vast domain of behavioral science to spot your underlying emotional needs and fulfil them in better ways.

Consumer Science
03

Grounded in Robust Logic

Generic LLM models change their mind depending on how you ask. Veto runs every decision through robust logic, guaranteeing consistent, un-compromised advice and smart and effective alternatives.

Neurosymbolic AI Rules

How a Veto Decision Gets Made

Step 1 · Your Input
Shopper Context
"I want to buy a $2,450 home exercise bike to get fit."
Step 2 · Intent Check
Psychology Model
Trigger: Aspirational Habit
Urgency: Unproven routine
Step 3 · Logic Rules
Rule Verification
Rule: High cost + unproven habit = Test Habit First
Step 4 · Outcome
Smart Alternative
💡 Alternative

One advisor.
Everywhere you buy.

Purchase intent shows up everywhere: your phone, your browser, even your AI assistant. Veto is the decision layer that sits between wanting and buying, wherever that moment happens. One account. One Gauntlet. One Verdict.

📱

iOS App

The full Veto experience. Run the Gauntlet and stack priorities from your pocket.

Live
💻

Web App

You shop between your phone and your laptop. Veto goes with you by syncing everything to one account. Start on your phone, finish at your desk.

Live
🌐

Browser Extension
(Chrome & Safari)

Captures the product page you're on - Amazon, Walmart, Target, Etsy, eBay and more — straight into the Gauntlet above the checkout button. Available for Chrome and Safari.

Live

AI Assistants

Connect Veto to ChatGPT, Claude or any MCP-capable agent, and your assistant runs purchases through the same Gauntlet before anything gets bought.

Live
⚡️

iOS Shortcuts

Our "Consider with Veto" shortcut works with automations so Veto can pop open the moment you enter a shopping app.

Live
🎙️

Veto Voice

Talk through your planned purchases with real-time, interactive Voice Gauntlet for a quick sanity check when you're out shopping.

Coming Soon
Real verdicts, everywhere you buy
iPhone app Approved
Veto iPhone app showing an Approved verdict on a £1,999 MacBook Pro that is failing the user's paid work
A £1,999 laptop approved, because you need it for your paid work.
Web app Deferred
Veto web app showing a Deferred verdict and cost-in-perspective bars for a £295 cashmere jumper
Every price, put in perspective against your real life.
AI assistant (MCP) Denied
Veto for MCP Model Context Protocol
Should I buy the Herman Miller Aeron? It's $1,395.
You're spending £1,100 on insurance against a problem that hasn't appeared — on a chair you've never sat in.
⛔ Verdict · Denied
↳ Open in Veto →
Ask your favorite AI agent. Veto responds.
Browser extension Denied
Veto browser extension side panel showing a Denied verdict on a $699 Costco laptop, recommending a lower-cost alternative
Right beside the buy button, before you check out. Get the extension on Chrome or Safari

Do you really need it? Prove it.

Put your next impulse through the Veto Gauntlet today.