A simpler way to see where your money goes
Connect securely to your accounts and get a high-level picture of your cash flow — without manual budgeting or categorization.
What is Spend.watch?
Spend.watch connects securely to your checking & credit card accounts and builds a high-level picture of your cash flow — without asking you to budget or categorize everything manually.
It detects recurring inflows/outflows, identifies unusual spending and trends, and alerts you only when something actually needs your attention — a suspicious transaction, a coming cash dip, or a deviation from your normal spending pattern.
Spend.watch requires read-only transaction access to:
- Detect recurring and unusual transactions
- Build projected balance runway
- De-duplicate transfers (e.g. card payments from checking)
- Send early warnings when something changes
See it in action
Your Complete Financial Picture
See balances, spending patterns, and transaction details all in one place. No manual entry, no spreadsheets.
Track Balances Over Time
Visualize your cash flow with automatic daily balance snapshots. Hover over any day to see exactly what posted.
Understand Your Spending
See where your money goes at a glance. AI automatically categorizes transactions by merchant.
Train Your Categories by Dragging
Drag merchants between categories to instantly recategorize all their transactions. The app learns your preferences.
Every Transaction, Automatically Organized
Review all your spending in one unified feed. Categories update automatically based on your merchant rules.
Security & Data Handling
We treat bank data conservatively and transparently:
Read-only access
We never have the ability to move money.
No credentials stored
Your bank login never touches our servers. Secure connection via industry-standard providers.
Encrypted everywhere
All data encrypted in transit and at rest.
Full deletion
Request complete data deletion at any time.
Re-authentication
Required if bank connection expires.
Industry compliant
Complies with financial data security and privacy standards.
Data usage: We use transaction data only to power the core functions described on this page.
Why a tool like this matters
Most people don't budget daily — they just want confidence:
"Am I roughly trending up or down?"
"Will I have a dip before the next paycheck?"
"Did something weird or fraud-ish just happen?"
"Did I accidentally spend way more this month in one area?"
Spend.watch exists to quietly monitor and answer those without noise.
Join the Waitlist
Spend.watch is currently in private beta.
Sign up below and we'll notify you when we're ready for more users.
We respect your privacy. No spam, ever.