Stop dreading your bank balance. Budget without linking your bank account.
SpendGuard connects all your finances, tracks every dollar, and gives you an AI financial advisor that actually knows your money — so you can reach financial independence faster.
No credit card required · Free forever plan · Cancel paid plans anytime
Good morning, Alex 👋
Here's your financial snapshot for June 2026
Net Worth
$142K
+$4.2K this month
Health Score
74/100
+6 vs last month
FIRE Progress
31%
~18 years to FIRE
Monthly Spend
$3,240
+8% vs last month
Budget — June
Recent Transactions
DoorDash
Food
Monthly Salary
Income
Amazon
Shopping
Vanguard ETF
Investment
Finn — Your AI CFO
You spent 34% more on dining last week. Cooking at home 3 more times could save $180/month.
Health Score: 74/100 ↑6
Features
Built for people with financial anxiety, not spreadsheets
A complete financial toolkit powered by AI — built for people who want more than a spreadsheet.
Meet Finn, Your AI CFO
Ask Finn anything about your finances. Can I afford this? Am I on track to retire early? Finn knows your real numbers and gives specific, actionable answers.
FIRE Planner with Monte Carlo
Calculate your Lean, Regular, Fat and Barista FIRE numbers. Run 1,000 market simulations to see your real probability of retiring early.
Complete Money Dashboard
Net worth, investments, budgets, loans, bills and subscriptions — all in one place. See your complete financial picture at a glance.
Smart Budget Tracking
Set budgets by category and get instant alerts when you're close to the limit. Finn tells you exactly where your money is going.
Investment Portfolio Tracker
Track stocks, ETFs, 401k, IRA and crypto. See your real returns, asset allocation and get Finn's rebalancing advice.
CSV & Excel Import
Import transactions from any bank using our CSV or Excel template — available now on Pro. Automatic bank sync via Plaid coming soon.
How it works
No bank login. No Plaid required.
No complex setup. No bank credentials needed to start.
Sign up free in 30 seconds
No credit card needed. Create your account with Google and start tracking immediately.
Add your finances
Import transactions from your bank, set budgets, add investments and loans. Takes 5 minutes.
Ask Finn anything
Your AI CFO analyses your real data and tells you exactly what to do to reach financial independence faster.
Meet Finn
Meet Finn, your AI money assistant
Finn isn't a chatbot with generic tips. Finn has access to your real transactions, budgets, investments and goals — and gives you answers in plain English, specific to your situation.
- Knows your exact income, expenses and net worth
- Calculates your real FIRE date and how to move it earlier
- Spots budget overruns before they hurt you
- Answers in seconds — no waiting for a human advisor
Finn
Your AI CFO · powered by Claude
Can I afford a $800 iPhone right now?
Based on your $8,500 income and $4,200 monthly expenses, you have $4,300 surplus this month. The iPhone costs 19% of your surplus — easily affordable. Your savings rate stays healthy and your FIRE date remains on track.
Where am I spending the most?
Your top 3 this month: Housing $2,100 (50% of income), Food $840 (20% — 12% above your $750 budget), Transport $420 (10%). Food is your biggest leak — trimming back to budget saves $1,080/year and moves your FIRE date 2 months earlier.
Ask Finn anything about your money…
Pricing
Simple, transparent pricing
Start free. Upgrade when your finances need more firepower.
Free
Core features to start your financial journey.
- Up to 500 transactions / month
- 3 budget categories
- Finn AI — 5 questions / day
- Financial Health Score
- Basic overview dashboard
Pro
For individuals serious about reaching financial independence.
- Everything in Free
- Unlimited transactions
- 5+ budget categories
- Finn AI — unlimited
- FIRE Planner + Monte Carlo
- Investment portfolio tracker
- Bills & subscriptions manager
- CSV import from any bank
- Net Worth tracker
- Goals & Loans
- Spending DNA
- Detailed Health Score
Premium
The full AI CFO experience for power users.
- Everything in Pro
- Weekly AI CFO Report
- Tax Intelligence
- Life Event Planner
- Financial Time Machine
- Generational Wealth Calculator
- Bank Sync — coming soon
- Priority support
No credit card required for the free plan · Cancel paid plans anytime
Compare
How SpendGuard compares to Mint, YNAB and Monarch
Same job — tracking your money — without the bank-login requirement.
| Feature | SpendGuard | Mint | YNAB | Monarch |
|---|---|---|---|---|
| Bank connection required | No — optional, never required | Required (app discontinued 2024) | Required | Required |
| Monthly price (mid-tier) | $12/mo | — | $14.99/mo | $14.99/mo |
| AI financial advisor built in | Yes — Finn | No | No | No |
Founder Note
Why I built this
I got tired of maintaining my FIRE spreadsheet every Sunday. So I built the tool I wanted: an AI CFO that knows my real numbers and does the tedious part for me.
SpendGuard is brand new — you'd be one of the first users. You get founding-user pricing and a direct line to me; I get honest feedback that shapes what gets built next.
— Pritam, founder
FAQ
Frequently asked questions
Everything you need to know about SpendGuard.
Ready to meet your AI CFO?
Be one of the first. Founding users get early pricing and a direct line to the founder.
No credit card required · Free forever plan · Cancel paid plans anytime