Small team, big ambitions

The honest story

Effortless is a startup. We're not backed by a VC firm, we haven't raised a Series A, and we don't have 10,000 users yet. What we do have is a product that actually works and a genuine obsession with building it right.

Why this exists

Built out of frustration

Mint shut down. YNAB costs $109 a year and requires you to adopt their entire methodology. Monarch is polished but expensive. Most free alternatives are either abandoned, ad-riddled, or missing basic features.

Effortless started as a side project to solve a simple problem: connect to a bank, see spending by category, set a budget, track it. No philosophy, no subscription required, no bloat.

It grew from there. Transparent merchant and category rules made categorization mostly automatic. Savings goals, subscription detection, and analytics got added because they were useful. The project got serious enough to be worth building properly — so here we are.

We're in early access. Things will break occasionally. Features are still being built. But the core loop works, it's free, and we ship improvements regularly.

Roadmap (honest version)

What's coming

Bank account connection via Plaid
Rule-based transaction categorization
Budgets with real-time tracking
Savings goals
Subscription detection
MFA / two-factor authentication
PWA — installable on mobile
Recurring transaction detection
Upcoming-bill projections
iOS / Android native appIn progress
Joint account / partner support
CSV export

✓ = shipped  ·  ⚡ = actively building  ·  ○ = planned

Security

We take this seriously

Handling financial data is not something to cut corners on. Here's exactly what security measures are implemented — not marketing claims, actual technical decisions.

HTTPS 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.

Encrypted data at rest

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.

Found a vulnerability? Email [email protected] privately. We'll respond within 24 hours and credit responsible disclosure.

Come try it

It's free, it works, and we're actively building it. If something's broken or missing, tell us — we'll fix it.