Plaid runs on your device. Your transactions go from Plaid directly to your phone — and stay there. Our servers never receive a single one.
YNAB, Monarch, and Copilot all use Plaid too — but they route your transactions through their own servers and store them. SpendShield uses Plaid on your device. Transactions go Plaid → phone. Our servers are never in the path.
Bank-linked intelligence, receipt scanning, goals, and more — all processed on your device. Not one transaction ever touches our servers.
Connect your bank accounts using Plaid — the same service YNAB uses. The difference: Plaid runs on your device. Your transactions never leave your phone.
Snap a Walmart or Target receipt for line-item OCR. See exactly what you spent — groceries vs. household vs. clothing — not just "$127.43 at Target."
Anomaly alerts, spending velocity tracking, recurring detection, bill reminders, and custom budget categories — all computed locally in real time.
Set savings goals and track progress. The psychological wins system celebrates small victories — because behavior change is as important as the numbers.
See your full financial picture — assets, liabilities, net worth badge, and a retirement readiness score. All computed on-device from your linked accounts.
Not "we promise not to look." We can't look. Transactions flow Plaid → device only. Our servers never receive a single transaction — architecturally enforced.
Plaid Link launches on your device and connects directly to your bank. Your credentials and transactions never leave your phone — our servers see nothing.
On-device AI auto-categorizes every transaction. Scan receipts for line-item detail. Groceries, dining, transport, subscriptions — sorted in seconds, locally.
Trends, alerts, goals, net worth, retirement score — all computed on your device. We never see a single transaction. Not one. Ever.
No ads. No data sales. Just a fair price for software that respects you.
Private spending tracking — no bank required.
Full bank sync, receipt scanner, and intelligence.
Your full financial picture, encrypted and synced.
Join the waitlist for early access. No spam — we don't even store your email on our servers. (Okay, we store that one.)
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