Everything you need to understand your money without adding more noise.
Personal Finance App Features
Product context
The feature list maps back to one dashboard.
Warm keeps synced accounts, budgets, subscriptions, net worth, imports, and MCP access in the same calm product surface. The directory below is organized around those workflows, not isolated add-ons.
Account Management
Stop juggling five different banking apps
Bank Account Sync
See all your balances without logging into multiple apps
Real-Time Transaction Sync
See that coffee purchase before you finish drinking it
Auto-Categorization
Know where your money went—without tagging a single transaction
Transaction Search
Find any transaction instantly with powerful filters
CSV & OFX Import
Bring in old statements or closed accounts for your complete story
Synced account capacity
Plus covers up to 5 synced accounts. Pro raises capacity to 30.
Household Sharing
Get on the same page with your partner without merging accounts
Budgeting & Goals
Stay aware of spending without the stress
Category Budgets
Catch yourself before dining out eats your whole paycheck
Merchant Budgets
Notice when any merchant is quietly adding up
Smart Transaction Tags
Organize transactions your way—tags apply automatically
Savings Goals
Watch your progress toward that vacation or emergency fund
Spending Analytics
Finally answer “where does my money go?”
Spending by Category
See exactly what groceries, dining, and transport cost you each month
Spending by Merchant
Discover you spent $800 at Target last month
Recurring Detection
Find that gym membership you forgot about six months ago
Duplicate Subscription Alerts
Spot when you're paying for three streaming services you don't use
Wealth Tracking
Watch your wealth grow over time
Net Worth Tracking
Finally see the complete picture—not just one account at a time
Crypto Portfolio
Include your Bitcoin in your total net worth
Manual Asset Tracking
Add your car, collectibles, or anything else you own
Historical Snapshots
See how far you've come since last year
Mortgage House Value
Know your actual home equity, not just what you owe
Real Estate Portfolio
Track multiple properties in one view (Coming Soon)
Financial Intelligence
Get answers, not just data
Financial Health Score
Know if you're actually improving—one clear number
Cash Flow Forecasting
See if you'll make it to payday before you run low
MCP Access
Ask supported MCP clients questions about your real financial data
Spending Anomaly Alerts
Catch unusual charges before they become a problem
Bills & Subscriptions
Stop wasting money on things you forgot about
Subscription Tracking
See your true monthly subscription cost—it's probably higher than you think
Bill Calendar
See all your upcoming bills in a visual calendar
Bill Reminders
Know what's due before it sneaks up on you
Subscription Cancel Links
One-click links to cancel 470+ subscription services
Security & Privacy
Your data stays safe. We can never touch your money. See our full security practices
Bank-Level Security
The same infrastructure Venmo and Robinhood trust
Read-Only Access
We can see your data. We can never move your money. Ever.
No Credential Storage
Your bank password never touches our servers
Ready to feel calm?
Both plans include the same Warm features. Plus covers up to 5 synced accounts. Pro raises that to 30 synced accounts.
Two simple plans. Cancel anytime.