Help center

Sign in, go to Accounts, Manage accounts and banks, 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 Accounts, Manage accounts and banks. 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 Accounts, Manage accounts and banks, Refresh now.

12,000+ banks, credit unions, brokerages, and credit cards in the US and Canada 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. If your subscription lapses the app locks, but your rules and data stay put, and everything is where you left it when you resubscribe.

Goals page, New goal. Name it, set a target amount, and optionally a target date. With a date, Vekfinance shows the monthly amount to reach it and whether you are ahead of pace, on track, or behind.

Buckets split one savings account into named slices by percentage, like vacation, emergency fund, and new car, so one account can fund several goals and you can watch each one fill.

No. A transfer from checking to your own savings account shows up as Saved, not as spending, so your spending totals stay honest and your progress shows.

Vekfinance measures it in months of essential spending, with a 6-month target by default. You can switch the target to 3 or 12 months in Settings, Goal & income.

Yes. From the Investments page, connect through Plaid to sync balances, holdings, and investment activity where your institution supports it. You can also add an account by hand, even with just a balance.

Because your balance also grows when you add money. The Performance tab splits the change into what you put in and what the market did, and the time-weighted return measures the investments themselves, so a $1,000 deposit is never counted as a gain.

The Contributions tab tracks this year's contributions against IRS limits for IRAs, workplace plans like a 401(k), and HSAs, and shows about how much a month gets you to the limit. Add your birth year, salary, and match formula in Settings to include catch-up contributions and your employer-match pace.

Yes. The Retirement tab on Outlook projects your investments forward with your monthly contribution, a return you choose, and your fund fees, then shows the age you reach your FI number (25 times your yearly spending). It is an estimate under those assumptions, not a guarantee.

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.

Vekfinance's next-dollar plan lays out the usual order: a cash buffer and any employer match first, then debt at 8% APR or more, then your emergency fund, HSA, IRA, 401(k), and taxable investing. To test a specific choice, the what-if planner shows how an extra debt payment moves your net worth over five years.

Budgets page, Set targets. For each category, enter a monthly limit. Vekfinance pulls 36 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, Profile & 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, Profile & 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, Billing & data, Download my data. 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, Billing & data, Delete account. If your plan has ended, sign in and open vekfinance.com/my-data instead; no plan is needed. Your account and all its financial data are deleted right away. Copies then remain only in our encrypted backups until they rotate out (routine backups within 63 days). Limited security logs, with no financial data, are kept up to 12 months.

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

Everything. Vekfinance is one plan: bank sync via Plaid, the private AI assistant, AI portfolio analysis, household sharing, and every other feature. New customers get one 30-day free trial; there is no permanent free tier.

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

Settings, Billing & data, Manage subscription. That opens our payment provider's billing page, where you choose Cancel. No retention call. Your access continues until the end of the billing period you already paid for, or the end of your trial, and you are not charged again.

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.

Yes, with a trusted contact. In Settings, Household & trusted contacts, invite them by email. They sign in with their own login and can see your home page, accounts, transactions, budget, bills, cash flow and alerts, read only. They cannot change anything, you see when they looked, and you can stop sharing at any time. It is free for them.

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.