# Personal Finance App Features - Budgeting, Expense Tracking & Net Worth | Warm

> Explore Warm features for budgeting, expense tracking, subscription tracking, net worth, and bank sync. Simple personal finance tools in one calming dashboard.

Source: https://warm.io/features

Budgeting, expense tracking, and net worth in one place

Everything you need to understand your money without adding more noise.

# Personal Finance App Features for Budgeting, Expense Tracking, and Net Worth

## Account Management

Stop juggling five different banking apps

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### Bank Account Sync

See all your balances without logging into multiple apps

Learn more

](https://warm.io/features-bank-connections.md)

### 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

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### Transaction Search

Find any transaction instantly with powerful filters

Learn more

](https://warm.io/features-transaction-search.md)[

### CSV & OFX Import

Bring in old statements or closed accounts for your complete story

Learn more

](https://warm.io/features-csv-import.md)[

### Unlimited synced accounts Accounts

Your whole financial life in one calm dashboard

Learn more

](https://warm.io/features-multi-account-sync.md)[

### Household Sharing

Get on the same page with your partner without merging accounts

Learn more

](https://warm.io/features-household-sharing.md)

## Budgeting & Goals

Stay aware of spending without the stress

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### Category Budgets

Catch yourself before dining out eats your whole paycheck

Learn more

](https://warm.io/features-category-budgets.md)[

### Merchant Budgets

Notice when any merchant is quietly adding up

Learn more

](https://warm.io/features-merchant-budgets.md)

### Smart Transaction Tags

Organize transactions your way—tags apply automatically

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### Savings Goals

Watch your progress toward that vacation or emergency fund

Learn more

](https://warm.io/features-savings-goals.md)

## 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

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### Net Worth Tracking

Finally see the complete picture—not just one account at a time

Learn more

](https://warm.io/features-net-worth-tracking.md)[

### Crypto Portfolio

Include your Bitcoin in your total net worth

Learn more

](https://warm.io/features-crypto-tracking.md)[

### Manual Asset Tracking

Add your car, collectibles, or anything else you own

Learn more

](https://warm.io/features-investment-tracking.md)[

### Historical Snapshots

See how far you've come since last year

Learn more

](https://warm.io/features-snapshots.md)

### Mortgage House Value

Know your actual home equity, not just what you owe

Coming Soon

### Real Estate Portfolio

Track multiple properties in one view (Coming Soon)

## Financial Intelligence

Get answers, not just data

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### Financial Health Score

Know if you're actually improving—one clear number

Learn more

](https://warm.io/features-health-score.md)[

### Cash Flow Forecasting

See if you'll make it to payday before you run low

Learn more

](https://warm.io/features-cash-flow-analysis.md)[

### AI-Powered Insights

Get personalized suggestions based on your actual habits

Learn more

](https://warm.io/features-ai-tool.md)[

### Spending Anomaly Alerts

Catch unusual charges before they become a problem

Learn more

](https://warm.io/features-spending-alerts.md)

## Bills & Subscriptions

Stop wasting money on things you forgot about

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### Subscription Tracking

See your true monthly subscription cost—it's probably higher than you think

Learn more

](https://warm.io/features-subscription-tracking.md)[

### Bill Calendar

See all your upcoming bills in a visual calendar

Learn more

](https://warm.io/features-bill-calendar.md)

Coming Soon

### Bill Reminders

Know what's due before it sneaks up on you

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### Subscription Cancel Links

One-click links to cancel 470+ subscription services

Learn more

](https://warm.io/features-subscription-cancel-links.md)

## Security & Privacy

Your data stays safe. We can never touch your money. [See our full security practices](https://warm.io/security.md)

### 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.

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### No Credential Storage

Your bank password never touches our servers

Learn more

](https://warm.io/security.md)

## Ready to feel calm?

Start with budgeting and expense tracking. Add bank sync with Plus or unlock advanced workflows with Pro.

Two simple plans. Cancel anytime.

[Get Early Access](https://warm.io/waitlist) [View pricing](https://warm.io/pricing.md)
