Budgeting
Budgeting that works when your money lives in eight places
Checking, savings, three credit cards, joint accounts, and a brokerage cash sweep. One budget, categorized across all of them.
- 12,000+ institutions
- Read-only account connections
- Bank-level encryption
Why most budgeting apps break with multiple accounts
Single-account budgeting fails the moment cash moves between accounts or a household shares spend across different cards.
Category rules in your bank app only see that bank. Move money to a credit card and the categorization starts over.
Envelope budgeting tools assume manual entry — a non-starter when you have 40+ transactions a week across multiple cards.
Couples sharing finances need both individual and joint accounts to roll up — something most personal apps don't model.
What multi-account budgeting actually needs
Budgeting gets useful when categories, transfers, and recurring bills are reconciled across every connected account.
Categories that hold across banks and cards
Auto-categorized across checking, savings, every credit card, and joint accounts. Rules apply once and follow the merchant — not the institution.
Transfers, recurring bills, and double-counting
Transfers between your accounts cancel out automatically — no inflated spending. Recurring bills detected across cards and surfaced before they hit.
Households and shared spend
Joint accounts roll up next to individual accounts. Couples can budget shared categories without merging every transaction history.
Related pages
Multi-account budgeting works best alongside spending, net worth, and recurring detection.
01
One review instead of five apps
Sunday morning, one tab. Spending, investments, crypto, and upcoming bills — already reconciled.
- Every bank, brokerage, and wallet balance updates automatically
- Transactions categorized across all accounts — no manual rules
- Weekly review takes minutes, not the morning
02
See what changed this week
New charges, spending spikes, and recurring bills — surfaced before you have to go looking.
- Every card and bank account in one feed, searchable and categorized
- Recurring charges flagged automatically — price increases included
- Spending connected to your net worth, not isolated in a bank app
03
Tax season without the scramble
Cost basis updates with every trade. Gains and losses are ready to export — not reconstructed in April.
- Capital gains tracked across crypto and equities as you trade
- Pre-filled Form 8949, Schedule D, and Schedule 1 exports
- Tax documents from every institution collected in one place
04
Your real net worth — not what one bank shows
Cash, debt, retirement, brokerage, and crypto balances in one number you can actually trust.
- Every account type — checking, IRA, 401k, crypto, mortgage — in one view
- Net worth over time: daily, monthly, or since you started
- Allocation and concentration visible at a glance
Useful next steps
See the broader workspace, run the numbers, or compare alternatives.
Budget across every account, not just one bank
Clarity reconciles categories, transfers, and recurring bills across every connected account — no manual entry.