Built to save you time
Securely connect your bank with read-only access. AI handles the time-consuming parts — reading statements, sorting transactions, organizing subscriptions — so you can see where you stand without the data entry. Anything uncertain comes to you.
Statement Import
Get your data in however works best — connect your bank through Plaid, upload a statement (PDF, CSV, or photo), or forward statement emails, with the file attached, to your personal import address. AI reads the statement and pulls out the transactions.
- ✓Plaid, upload, or email
- ✓Secure processing
- ✓AI-powered extraction
Find Subscriptions & Recurring Charges
We scan for recurring charges on weekly, monthly and quarterly cycles, and surface the ones you may have lost track of. Annual ones you can add yourself.
- ✓Detects hidden charges
- ✓Pattern recognition
- ✓Confidence scoring
See Your Debt
Credit cards, loans, and balances in one place. Track interest rates, minimum payments, and estimated payoff dates without logging into multiple sites.
- ✓Unified view
- ✓Interest tracking
Estimate Your Debt-Free Date
We estimate when you could be debt-free from the plan you set, and show how a bigger payment moves the date.
- ✓Your plan, your date
- ✓What-if payments
- ✓Milestones
Compare Payoff Strategies
Compare avalanche (highest interest first) vs snowball (smallest balance first) methods. See how each affects your timeline and total interest paid.
- ✓Strategy comparison
- ✓Interest difference
- ✓Your own payoff order
See What's Due
Every card and loan's due date in one place, and on your Google Calendar if you connect it.
- ✓Due date tracking
- ✓Google Calendar sync
- ✓Calendar file export
The Unspending Spree
The feature that gives us our name. A guided session where you take control of your subscriptions.
Review
Go through each subscription one by one. For each one, decide: keep, cancel, or defer with a note and a date.
Track
See savings you've committed to vs. savings actually achieved. Run multiple sprees over time as new subscriptions appear.
AI that works for you
AI handles the data work that makes most finance apps feel like a chore: reading statements, sorting transactions and classifying recurring charges. Anything it isn't sure about comes to you.
Statement Import
Upload a PDF, CSV, or photo. AI reads PDFs and photos: account details, transactions, APR and due dates. Forward a statement email with the file attached and it processes automatically.
Auto-Categorization
Transactions are sorted into budget categories as they come in. Merchants we know are sorted automatically. A new one gets an AI suggestion you confirm once, and after that it sorts itself.
Merchant Names You Recognise
Bank descriptions like "SQ *COFFEE AUSTIN TX" become the merchant you actually paid. AI resolves the ones our known-merchant list doesn't cover.
Subscription Detection
Recurring charges surface automatically from transaction patterns. The ones we don't already recognise are classified by AI, and the uncertain ones wait for you.
Duplicate Cleanup
When Plaid and an uploaded statement overlap, exact matches merge on their own and near-matches wait for you to decide.
Income Matching
Deposits are linked to your income sources automatically, including multiple paychecks and employer names that vary from one deposit to the next.
A Weekly Check-In
Open it when you like and talk through your week with a coach that has read your numbers: what came in, what went out, and where you're heading. It can suggest changes to your budget or plan, and nothing changes until you confirm. It's in both plans.
App Usage Review
A premium on-demand review of your entire app setup. Finds miscategorized merchants, unlinked income, missing budget items, and setup gaps — with one-click fixes you confirm before applying.
Premium AI adds Deep Review: an on-demand read of your whole setup that finds gaps and offers one-tap fixes you confirm.
Better together
Tackling debt as a team? Invite your partner or family to share one financial view.
Households
Everyone in the household sees the same accounts, debt, subscriptions, budget, and progress. Changes by one member are visible to all.
- ✓ Invite members via email
- ✓ Role-based access (owner, admin, member, viewer)
- ✓ Each person keeps their own login and preferences
Plus everything else you need
Set Up Your Budget
We draft a budget from your actual spending, and you adjust until it fits. Bills, Essentials and Joy, with what you spent against each.
Track Cash Flow & Net Worth
See your projected cash balance up to six months ahead, bill by bill, and the lowest point it reaches. Your net worth, and how it moved over the last 30 days.
Track Your Income
Define income sources, link them to deposits, and allocate each paycheck toward debt, savings, or goals.
Set Savings Goals
Set savings targets with deadlines. Fund goals from each paycheck and track your progress toward each one.
Track Recurring Charges
Once subscriptions are found, we track them over time. See each subscription's price history and spot increases. Contract end dates flagged 60 days out.
Celebrate Your Progress
Halfway to debt-free, three-quarters, the day you get there: Today notices. Savings goals celebrate every quarter of the way.
See Spending Trends
See patterns in your spending by category, by merchant, and over time. Know if your subscription costs are going up or down.
Privacy First
Your data is encrypted at rest and in transit, with a dedicated key for your bank connections. We don't sell your data. Delete your account anytime. After a 30-day window to change your mind, we erase your data and disconnect your banks. All bank connections are read-only.
Calculations are estimates based on your data and current rates. Not financial advice.
See it for yourself
Open in Texas. You might be surprised what we find.
Start unspendingView pricing details