All your money, personal and business, kept truly private.
Save toward goals, grow your investments, and pay down debt, for your life and your business, in one app. The assistant never sees your raw data and every figure is computed on our server, and you can see exactly what it was told on every answer.
30-day free trial, everything included. Card required to start, cancel anytime before it ends.
5,000+
Banks supported
150+
Merchants recognized
10
Built-in reports
0
Trackers on our pages
Saved + invested, 12mo
+$14,200
Debt paid down, 12mo
$6,300
Net worth, 12mo
+$24,180
AES-256 encryption
AES-256 at rest
No ads, no profiling
No ad pixels, no cross-site tracking
Personal + business
Both on their own track, in one app
2-minute setup
Connect a bank, you are in
Wherever you are with money
Saving, investing, or paying it down. Built for all three.
Tell us what you want help with and your dashboard leads with it. Nothing is locked away, so the app keeps up when your goal changes.
Saving toward goals
Give every dollar a job and watch your safety net grow.
- Savings goals with a target date and the monthly amount to hit it
- Buckets that split one savings account by percentage
- Your savings rate, emergency-fund runway, and idle cash that could be earning more
Growing investments
See how your investments really did, not just how much you added.
- Brokerage, 401(k), IRA, and HSA holdings, synced through Plaid or added by hand
- Time-weighted performance, so a deposit never counts as a gain
- Contribution room against IRS limits, your employer-match pace, and a retirement projection
Paying off debt
Know your debt-free date and which balance to tackle first.
- Avalanche and snowball plans with live total-interest math
- Payoff goals that show the exact extra payment to hit a date
- Credit utilization per card, computed privately
Money you move to savings or investments shows up as Saved and Invested, never as spending, and the principal of a linked loan payment counts as Paid down debt. Progress counts whichever way you make it.
Live demo
Categorized while you sip your coffee.
Drop a CSV or sync your bank. Vekfinance sorts each transaction in three steps: your saved rules, your bank's own hint, then a dictionary of 150 merchants. Anything still unsure waits in a short review queue for you.
Categorized
0/6
Done
0%
Time spent
0s
Recent transactions
Whole Foods Market
$84.23
Shell #1834
$52.11
Blue Bottle Coffee
$7.50
Rent Payment
$1,850.00
Chipotle 0142
$16.85
Trader Joe's #042
$67.92
Connects to the bank you actually use
Features
Only the tools you'll use. Nothing you won't.
We cut the bloat. A full suite of tools that work together cleanly, with one shared transaction database underneath.
Savings goals and buckets
Set savings goals with a target and date, then split one savings account across named buckets by percentage (vacation, emergency fund, new car) so every dollar has a job and you watch each one fill up.
Investment tracker
Brokerage, 401(k), IRA, and HSA accounts in one view, synced through Plaid or added by hand. Performance is time-weighted, so what you put in is kept apart from what the market did. See your contribution room against IRS limits, your pace toward the employer match, and what you pay in fund fees.
Debt payoff cockpit
For any card or loan you carry: avalanche vs snowball comparison with live total-interest math, per-card sliders to model extra payments, and a payoff goal that shows the exact monthly extra to hit your date.
Retirement and financial independence
Project your investments forward with your monthly contributions, a return you choose, and your fund fees. See the age you reach your FI number (25 times your yearly spending) and whether you are on track for the retirement age you picked.
Saved, invested, paid down
Moving money to your savings or brokerage is not spending, so it is never counted as spending. Each month shows what you Saved, Invested, and Paid down debt next to what you spent, so progress is visible whatever your goal.
Financial health score
One 0 to 100 score built from six things that actually matter: your savings rate, emergency-fund runway, debt load, budget adherence, net-worth trend, and how much you have invested. Each factor tells you exactly what to improve, and Pro adds a private AI read on your single best next move.
Opportunities, found in your own data
A ranked list of ways to save and earn, most with a dollar estimate: idle cash that could be earning more, a monthly surplus ready to invest, the full employer match, your priciest debt if you carry one, subscriptions worth cutting, and more. Every one is computed on our side from your data, and nothing is sent to any third party.
Ask anything about your money
A chat panel that answers anything about your spending, debts, accounts, and goals like a direct CFO. It reasons over a de-identified summary, never your raw transactions, balances, account names, or merchants. Every dollar it states is computed on our server, not guessed by the model, and you can see exactly what the AI was told on every answer.
How the private AI worksAutomatic categorization
Three tiers run in order, all on our server inside your encrypted boundary: your learned rules, the bank's own category, and a built-in dictionary of 150+ merchants. Anything unresolved lands in a one-tap review queue, and your choice becomes a rule for next time.
Budget that doesn't nag
36 thoughtful default categories (Housing, Groceries, Eating Out, Shopping, Subscriptions, Savings, Investments, and more). Set monthly targets, see a 6-month sparkline per category, add your own.
Smart review queue
Anything the auto-categorizer wasn't sure about lands in a queue. One tap confirms the suggested category or picks a different one. Either way creates a rule for future transactions.
What-if planner
Model a raise, a spending cut, an extra debt payment, or a rough patch, and watch it ripple through your net worth, cash runway, and debt-free date over the next five years, side by side against doing nothing. Instant, right in your browser.
Cash-flow forecast
See your balance projected weeks ahead from your recurring bills and paychecks, so you know if money will get tight before it happens.
Bill calendar
Every upcoming bill and paycheck laid out on a month grid, with a running balance and the first tight day flagged, so nothing sneaks up on you.
Reports and money flow
Ten built-in reports plus a money-flow view that traces every dollar from income to category, so you see exactly where your money goes each month.
Credit health
See your credit utilization, the biggest factor you control, overall and per card, with a clear read on where you stand and how to improve it. Computed privately from your own cards. No credit bureau, no hard pull, nothing that leaves your account.
Alerts and your home screen
Get a heads up on low balances, unusually large charges, over-budget categories, and subscription renewals in an in-app inbox, and install Vekfinance on your phone so it opens like a native app.
Built for your household
Link a household of up to 6 people and see one read-only view of everyone's money. Each person keeps their own private account, and one Pro plan covers you all.
Built for couples and householdsFor families and caregivers
Invite someone you trust to look over your money, read only, with copies of the alerts you choose. Calm scam warnings flag payments that look like common scams, and larger text, high contrast and a hide-amounts switch are built in.
Built for caregiversPersonal and business, never mixed
Tag any account as business and it stays out of your personal totals. Get a separate debt-payoff plan for your business loans and cards. Built for freelancers and solo founders.
Built for freelancersMonthly close + insight
From the 25th onward, close the month: we snapshot every total, generate a one-paragraph insight, lock the transactions, and emit a PDF report you can save.
Privacy-first by design
No ads, no ad pixels, no cross-site tracking. The only third parties that touch your data are Plaid (bank link) and Anthropic (when you use AI); billing runs through Stripe and account emails through Resend, neither of which sees your transactions; our hosting provider stores the encrypted database; and PostHog Cloud US handles anonymized funnel analytics with no PII. Bank credentials handled by Plaid (we never see them). AI requests never include other users' data.
See it in action
Every core feature, one quick tour.
For couples and households
See your whole household, together, and still private
You and your partner each keep your own account and connect your own banks. Link up and you both get one read-only view of your combined money: net worth, accounts, income, and spending, side by side.
- Your combined net worth, accounts, income, and spending in one place.
- Read-only for both of you. Neither sees the other's logins or can change anything.
- Connecting takes mutual consent, and either of you can disconnect anytime.
- One Pro plan covers your whole household, up to 6 people. Everyone you link gets bank sync and every Pro feature at no extra cost, no second subscription.
For solo founders and freelancers
When your business is basically you
Most apps make you choose: a budgeting app that ignores your business, or business software that ignores your life. Vekfinance does both, kept cleanly apart, so business money never skews your personal budget, net worth, or payoff plan.
Tag it as business
Mark any account as business and it stays out of your personal net worth, budget, and payoff.
Its own payoff plan
Your business loans and cards get their own debt-free date and avalanche or snowball plan.
One login
Stop juggling two apps for money that is all in one pile when you work for yourself.
Included, no add-on. No business banking, payroll, or invoicing, just clean separation and a clear payoff plan.
How it works
From signup to your full picture in 5 minutes.
The whole onboarding loop, end-to-end. Most people are fully-set-up before their second cup of coffee.
- 1
Pick your goal
Tell us if you want to grow your savings and investments, pay off debt, or both. Your dashboard leads with it, and every tool stays available.
- 2
Connect your accounts
Link your bank, cards, and investment accounts via Plaid, or drop in a CSV. Transactions flow in automatically going forward.
- 3
Auto-categorize
Your rules, your bank's category, and a built-in dictionary of 150+ merchants categorize most transactions automatically, all on our server. Anything left lands in a review queue you clear with one tap each.
- 4
Set targets and track
Set monthly budget targets and savings goals. The dashboard shows where your money went, what you saved and invested, and a cash flow forecast for what is coming up.
Pricing
One plan. Everything included.
Try everything free for 30 days, bank sync, AI, household, the full toolkit. Then $10 a month. No tiers, no crippleware, no upsells.
Pro
Hands-off bank sync + every AI feature.
Starts with a 30-day free trial.
Start your free trial- Bank Sync via Plaid, auto-import from 12,000+ banks in the US and Canada
- Private financial assistant, reasons over a de-identified summary, never your raw data
- Household view for up to 6, link your household and one plan covers everyone
- Portfolio analysis, diversification score, fee and concentration warnings, suggestions
- Plus budgeting, savings goals, investment tracking, debt payoff, reports, and the full insight suite
Cancel anytime. We don't auto-renew without an obvious reminder. Your data stays put either way.
Where Vekfinance fits
Side-by-side with the others.
Quick honest comparison. We are newer than the household names, but the trade-off is built-for-2025 product decisions.
| Feature | Vekfinance | Mint | YNAB | Monarch | Copilot |
|---|---|---|---|---|---|
| Free trial | 30 days | Gone | 34 days | 7 days | 30 days |
| Pro price | $10/mo | / | $15/mo | $15/mo | $13/mo |
| Bank sync | Pro | Yes | Yes | Yes | Yes |
| Automatic categorization | Yes | Yes | Some | Yes | Yes |
| Built-in money assistant | Pro | No | No | Yes | Yes |
| AI never sees your raw data | Yes | RIP | No | No | No |
| Debt payoff cockpit | Yes | Limited | Yes | Yes | Yes |
| Personal + business, separate | Yes | No | No | No | No |
| Household / couples view | Pro | No | No | Yes | No |
| No ads | Yes | No (ads) | Yes | Yes | Yes |
| Privacy-first | Yes | Sold data | Yes | Yes | Yes |
Why you can trust us
Private by architecture, not by promise
You can't be asked to trust a black box with your money. So we built the guarantees into the code, and we make money one way: your subscription.
Encrypted at rest
Your database is encrypted with AES-256. Bank tokens and two-factor secrets get a second layer of AES-256-GCM encryption on top of that.
Read-only bank access
We connect through Plaid with read-only access. We never see your bank password, and we can never move your money.
AI that never sees your raw data
The assistant reasons over a de-identified summary, coarse bands and ratios, never your actual transactions or balances. Every request to the model is logged for you to read.
Your data stays yours
Export everything whenever you want, or delete your account on demand. Deletion is a real hard delete, verified by an automated check, not a hidden soft flag.
Sign in your way
Passkeys and app-based two-factor authentication, passwords checked against known breaches, and an alert whenever a new device signs in.
One honest business model
No ads, no ad pixels, no cross-site trackers, and we never sell your data or train AI on your transactions. Your subscription is the whole model.
Vekfinance is independent and self-funded, with no outside investors. We are not SOC 2 certified yet, and we will not claim a certification we have not earned. Read the full security overview.
FAQ
Common questions.
How much does Vekfinance cost?+
New customers get one 30-day free trial with everything unlocked: bank sync, the AI assistant, household sharing, and the full toolkit. After that it's $10 a month or $99 a year. One plan, everything included, cancel anytime.
Which banks does Vekfinance support?+
Most major banks in the US and Canada via Plaid, including Chase, Bank of America, Wells Fargo, USAA, Capital One, Citi, Discover, US Bank, PNC, and dozens more. Connect once and transactions sync automatically.
Is my financial data safe?+
Yes. Bank credentials are handled by Plaid (not us). Your data is encrypted at rest with AES-256. We don't sell data, don't run ads, don't use ad pixels or cross-site tracking, and never train AI on your transactions. We do use PostHog Cloud US for anonymized funnel analytics that never sees PII or financial values. Read the Privacy Policy for details.
Is this a Mint replacement?+
Yes. After Mint shut down in March 2024, Vekfinance was built to fill the gap. It does what Mint did (import transactions, categorize them, show a dashboard) plus modern additions like a private AI assistant, bank sync via Plaid, savings goals, investment tracking with honest performance math, and a debt payoff cockpit.
How does the AI work, and is it private?+
There is one AI feature: an assistant (it appears as the chat, the monthly close insight, and the portfolio analysis). It runs on Anthropic's Claude, but it never sees your raw data. Before any request, your finances are reduced on our server to a de-identified summary (coarse bands, ratios, generic category labels), and only that summary plus your typed question is sent. Raw transactions, merchant names, account names and numbers, and exact balances never leave. Every payload is logged in an egress audit trail you can read.
What about loans, mortgages, or auto loans?+
Track them manually on the Accounts page, under Manage accounts and banks. Most loan servicers don't expose data to bank-aggregation services like Plaid, so we let you enter balances by hand and update them after payments. The debt payoff cockpit works the same way regardless.
Can I import historical data?+
Yes. Drag CSV files onto /import. We auto-detect Chase, Bank of America, Wells Fargo, Capital One, and Discover formats. Other banks use a column-mapping UI. Multi-file drops are supported. Duplicates are deduped on date + payee + amount.
Do I need to install anything?+
No. Vekfinance runs in any modern browser, including mobile Safari and Chrome on iOS and Android. There's nothing to download.
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