Useful before everything.
Features should make your financial life clearer. If they add work without adding understanding, they don’t belong.
SMALL TEAM. A VERY HUMAN MISSION.Money is personal.
Money is personal.
So is this project.
Effortless started with a simple thought: keeping up with your money shouldn’t take you away from the life you’re building.
Come make yourself at homeTHE EFFORTLESS IDEA
A little less
keeping up.
A little more
looking ahead.
Built with real life in mind.
HOW WE GOT HEREA side project.
A side project.
A familiar frustration.
Too many bank apps. Too much spreadsheet upkeep. Too many tools that ask you to learn a whole new philosophy before you can see where your money went.
Effortless began as a way to make the basics feel simpler: connect an account, organize spending, set a budget, and know where you stand.
Then came the things that made the picture more useful. Savings goals. Recurring bills. Reports. Rules that take the repetition out of categorizing transactions. Each addition had to earn its place.
We’re still a small team, and Effortless is still in early access. There’s work to do. What keeps us going is the same thing that started this project: the belief that understanding your money can feel a little easier.
Here’s to a little more breathing room.The Effortless project
Your choices stay yours.
Connect a bank or keep things manual. Inspect your rules, export your data, and build a plan that fits you.
Honest about where we are.
Early access means we’re still learning. We’ll be clear about what works today and what’s still on the way.
GROWING, ONE USEFUL THING AT A TIMEHere today.
Here today.
On the horizon.
There’s already a lot you can do. And a little more we’re looking forward to building.
Ready when you areAvailable now
Bank connections through PlaidManual accounts and transaction entryEditable categorization rulesMonthly and yearly budgetsSavings goals and milestonesSubscriptions and recurring incomeUpcoming-bill projectionsReports and spending insightsCSV export and full backupsPasskeys and two-factor authenticationAn installable mobile web appCSV and bank-file imports
WHAT’S NEXT
Native mobile apps
iOS and Android apps are in progress. In the meantime, you can install the web app on your home screen.
In progressPlanning together
Joint-account and partner support are on the roadmap.
PlannedA RESPONSIBILITY WE TAKE SERIOUSLYTrust starts
Trust starts
with the details.
Your financial data deserves careful handling. Here’s how the product protects it.
Read our privacy policyHTTPS everywhere with HSTS
All traffic is encrypted in transit. HTTP Strict Transport Security is enforced so your browser always uses a secure connection.
bcrypt password hashing
Passwords are hashed with bcrypt before storage. We cannot see or recover your password — not even us.
Signed JWT authentication
Sessions use signed JSON Web Tokens with expiry. Tokens are validated on every request to the API.
MFA with TOTP
Multi-factor authentication is built in. Set it up with any authenticator app — Google Authenticator, Authy, 1Password. Backup codes are generated and downloadable.
Read-only bank access via Plaid
We connect to your bank through Plaid using read-only access. We can see your transactions — we cannot initiate transfers, payments, or access your bank credentials.
Protected bank connections
Plaid access tokens are encrypted in the database; financial records are protected by application and database access controls. The database is not publicly exposed.
Security headers on every response
Every HTTP response includes: Content-Security-Policy, X-Frame-Options (DENY), X-Content-Type-Options, Referrer-Policy, and Permissions-Policy.
No data selling, ever
We don't run ads. We don't sell or share your financial data. It's used solely to show you your own information.
Security concern? Email [email protected] privately.
YOUR NEXT CHAPTER
Get started free There’s room for you here.
Try it. Tell us what you think. Help shape what comes next.