Help center

Sign in, go to Settings, Bank Sync, Connect a bank. You're routed to Plaid's secure flow where you enter your bank credentials. Vekfinance never sees the username or password.

Most disconnects are caused by a bank password change, MFA challenge, or routine token expiry. Re-link from Settings, Bank Sync. Takes 30 seconds.

Once per day via a background job, plus instant webhook updates when Plaid pushes new transactions. You can also force a sync from Settings, Bank Sync, Refresh now.

12,000+ US banks, credit unions, brokerages, and credit cards via Plaid. Full list at /banks.

No. Credentials go directly into Plaid's sandboxed flow. We only receive an opaque, read-only access token. Details on /security.

Three tiers run in order, all on our server: (1) your saved rules, (2) the bank's category hint, (3) a merchant dictionary of 150+ patterns. Whichever returns first wins. Anything unresolved stays uncategorized for one-tap manual categorization. No AI is involved, and nothing leaves your encrypted boundary.

Tap the category to change it. The system saves your correction as a rule so the same merchant goes to that category next time. Over a few weeks, accuracy climbs to 95%+.

Transactions tab shows all categorized items. The Review Queue surfaces only items the categorizer wasn't confident about. Empty queue means everything's categorized.

No. Rules live in your account permanently. Tier changes only affect the AI assistant and bank-sync access.

Avalanche pays the highest-APR debt first and saves the most interest. Snowball pays the smallest balance first and feels faster psychologically. The cockpit lets you compare both side-by-side with your real debts.

Debts page, Add debt. Enter the balance, APR, and minimum payment. The cockpit auto-calculates payoff dates and total interest under each strategy.

Yes. Each debt has a slider for extra monthly payment. The cockpit re-runs the math live so you see how a $50 or $200 extra payment shifts your payoff date.

The Investment tab has a 'pay debt vs invest' simulator that compares the after-tax return of investing vs the guaranteed return of paying off the debt at its APR.

Budgets page, Set targets. For each category, enter a monthly limit. Vekfinance pulls 16 default categories plus any you've added. Targets are flexible, no zero-based methodology required.

It's your spending over the last 6 months in that category. Helps you set a target that matches reality vs wishful thinking.

The category turns red on the Dashboard and Budgets pages. No penalty, no notification spam. The Dashboard summary shows your total over/under for the month.

Settings, Categories, Add category. Pick a color and an icon. You can also rename or merge categories from the same page.

Chase, Bank of America, Wells Fargo, Capital One, Citi, USAA, Discover, Apple Card, AMEX, and Mint, Monarch, YNAB, Copilot exports out of the box. Custom mapping for any other format.

Transactions page, Import CSV. Drag the file or click to upload. The parser detects the format automatically; if it doesn't, the mapping screen lets you pick which column is date, description, amount.

No. Each transaction is hashed by date + amount + description. Re-importing the same file or overlapping date ranges skips duplicates automatically.

Yes. Transactions, Imports, find the import, Delete. Removes only that batch, doesn't touch other transactions.

Settings, Security, Enable 2FA. Scan the QR code with any authenticator app (Authy, 1Password, Google Authenticator). You get one-time backup codes you should save somewhere safe.

Settings, Security, Change password. Requires your current password. Triggers a HaveIBeenPwned check on the new password to make sure it's not in any known breach.

Settings, Data, Export. Generates a JSON file with all your transactions, accounts, budgets, debts, categories, and rules. Use it for backup, switching tools, or just for the record.

Settings, Account, Delete account. Permanently removes your user row and all financial data within 24 hours. We retain limited authentication logs for 12 months for security forensics, no financial data.

Never. No advertising, no data brokers, no analytics that track you across sites. See /security for the full data model.

Bank sync via Plaid, the private AI assistant, and AI portfolio analysis. Everything else, including automatic categorization and the monthly close insight, stays free.

$10 a month or $99 a year (saves $21). Both billed through Stripe.

Settings, Subscription, Cancel. Immediate cancellation, no retention call. Your Pro access continues until the end of the billing period you already paid for.

Yes, email [email protected] within 30 days of your first payment for a full refund. Annual: prorated refund within the first 60 days.

Open the Household tab and invite your partner by email. They accept from their own Vekfinance account, and you both get one combined, read-only view. Household sharing is a Pro feature.

No. The household view is strictly read-only. Neither of you ever sees the other's bank logins, and no one can edit or delete the other's accounts, transactions, or goals.

They sign in (or start a free trial) with the email you invited, open the invite, and accept. Nothing is shared until they consent.

Either of you can disconnect from the Household page at any time. Sharing stops instantly and the combined view is removed for both of you.

Email [email protected] with what happened, what you expected, and a screenshot if possible. We respond within 24 hours on weekdays.

Email [email protected]. We respond within 24 hours and won't pursue good-faith security research.

Same support email works. We log every request; if multiple users ask for the same thing it moves up the roadmap fast.