Plus
Same Warm features. Up to 5 synced accounts.
$5.00
- Auto bank sync
- Financial health insights
- Budgets, goals & cash flow
- CSV, OFX, API & MCP access
All your money in one clear view.
Three easy steps. Connect once. That’s it.
- 1
Connect
Link banks, cards, loans, and investments with read-only access.
- 2
Syncing
Stay current
Accounts update on their own. No CSV. No recategorizing.
- 3
Net Worth
$248.9KSee it together
Cash, spending, recurring, and net worth in one place.
12,000+ institutions supported. Banks, cards, loans, and investments.
Find every transaction. Powerful search and filters.
Catch recurring charges. See renewals before they hit.
See the whole picture. Assets and debts, one picture.
Compare Warm. See what the others miss.
Merchant-level budgets
Cancel link library
Financial health score
Low cash runway alert
API & AI access
CSV file import
Cash flow analysis
Cash flow forecasting
Crypto tracking
Manual asset tracking
Bill calendar
Investment tracking
Goal account linking
Smart transaction tags
Category budgets
Savings goals
Monthly Pricing
$15
$14.99
$14.99
$13
$7-14
$5.99
Free
$12.99
Private by design. Your data stays yours.
-
Read-only access
Warm can’t move money, make payments, or change your accounts.
-
Not sold, not trained on
Warm doesn’t sell your data or use it to train AI models.
-
You own your data
Export anytime. Leave anytime. Your finances aren’t locked in.
Every feature included. Pick your account capacity.
Save up to 56.7% on yearly billing
Pro
Same Warm features. Up to 30 synced accounts.
$8.00
- Auto bank sync
- Financial health insights
- Budgets, goals & cash flow
- CSV, OFX, API & MCP access
Common questions. Simple answers
If your question isn't here, write to support@warm.io or see the full FAQ.
What does read-only mean for my accounts?
Warm uses read-only connected-account access for balances and transactions. It cannot move money, make payments, or change your bank account details.
How is Warm different from a budgeting app?
Warm organizes your accounts, spending, recurring charges, and net worth into one clear view. It does not require a rigid budgeting method or weekly money homework.
What comes with Plus and Pro?
Both plans include the same core Warm features: dashboard, budgets, imports, subscription tools, support, insights, MCP, and API access. Plus includes up to 5 synced accounts. Pro includes up to 30 synced accounts. See current weekly, monthly, and yearly prices on the pricing page.
How do AI agents connect to Warm?
MCP is optional. Create an API key in Settings, connect a supported local client, and revoke access anytime. Agents can read financial context; they cannot move money through your bank. You bring your own supported AI client; you're not locked into a single tool.
Is Warm a replacement for Mint?
Warm covers the day-to-day picture Mint users often want: accounts, transactions, subscriptions, cash flow, and net worth in one place. It also adds opt-in read-only MCP for AI tools.
Where is my data stored, and who can read it?
Warm encrypts data in transit and at rest. Bank login credentials stay with Plaid and your institution. Warm does not sell your financial data or use it for model training. Warm is a paid product, so you're the customer, not the product.
Can I export my data?
Yes. Export your data whenever you want, and import history from other services with CSV or OFX. Your finances aren't locked in.
