A simpler way to see where your money goes
Connect securely to your accounts and get a clear picture of your cash flow — past, present, and anticipated — without manual budgeting or categorization.
$5/month for full access.
What is Spend.watch?
Spend.watch connects securely to your checking & credit card accounts and builds a complete picture of your cash flow — past, present, and anticipated — without asking you to budget or categorize everything manually.
It detects recurring bills, forecasts spending based on your patterns, shows anticipated balances, and highlights major upcoming transactions — all so you can see potential cash dips or unusual spending before they happen.
Spend.watch requires read-only transaction access to:
- Detect recurring bills and track spending patterns
- Forecast anticipated spending and balance trends
- Highlight major upcoming transactions
See it in action
Your Complete Financial Picture
See current balances, anticipated spending by category, major upcoming transactions, and your complete transaction history — all in one place. No manual entry, no spreadsheets.
Track Balances and Forecast Trends
See your balance history and anticipated future balance based on recurring bills and spending patterns. Spot potential cash dips before they happen.
Understand Your Spending
See where your money goes — both actual and anticipated amounts for each category. AI automatically groups transactions by merchant and forecasts spending based on your patterns.
Train Your Categories by Dragging
Drag merchants between categories to recategorize all their transactions.
Every Transaction, Automatically Organized
Review all your spending in one unified feed.
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.
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
Daily budgeting is not sustainable for most people, but you should know the answers to questions like:
"Am I roughly trending up or down?"
"Will I have enough for that big bill coming up?"
"Did something weird or fraud-ish just happen?"
"Am I spending more than usual in any category this month?"
Spend.watch exists to quietly answer these questions — looking backward at what happened, and forward at what's likely coming.
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.