Tracking
A ledger that stays accurate through a messy month
Tell it once where a merchant belongs, and it never asks again.
No credit card required
Splits
One receipt, three categories
A $214.86 Costco run is groceries, fuel and a prescription. Split it and each part lands in the category it belongs to — your reports count $128.40 of groceries, not $214.86 of it.
Refunds
Send it back, and your spending goes back down
A refund attaches to the purchase it reverses, so the category it came out of drops by exactly what you got back: $60 returned on a $189.99 order and you spent $129.99.
Rules
Categorize it once. It stays categorized.
File a merchant where it belongs and we remember it — every future charge from them arrives already categorized, and we offer to fix the ones you already have.
Recurring detection
See everything that repeats, and what it adds up to
We read your transactions and list every charge that keeps coming back — what it is, what it costs, when it's due next — and total what they cost you each month.
Common questions
- Can I split one transaction across categories?
- Yes — that’s a split transaction: a $214.86 Costco run becomes $128.40 of groceries, $51.86 of fuel and $34.60 at the pharmacy, each counted in its own category. Divide a charge as many ways as you need.
- What if only part of an order comes back?
- A refund that comes back to your card in full is matched to the purchase for you when your accounts sync. A partial one never matches the charge, so you pick the purchase it belongs to — and your spending drops by exactly what came back: $60 on a $189.99 order leaves $129.99.
- Does it find every subscription?
- Not immediately. A charge has to have happened at least three times on a steady schedule before we call it recurring, so something you signed up for last month won’t be there yet.
- Can I track spending without connecting a bank?
- Yes. Import a CSV from your bank or type transactions in — everything here works the same either way. Connecting a bank just saves you the typing.