What Effortless actually does

Everything listed below is available today. Planned or experimental work is labelled separately.

Transparent Categorization
Transactions are organized with visible merchant mappings, Plaid-provided categories, and rules you control.
  • Automatic on new transactions
  • Preview rules before applying them
  • Custom categories supported
  • Pause, edit, or delete any rule
Account Connection
Connect banks, credit cards, and credit unions via Plaid. One place to see all your accounts.
  • Thousands of institutions supported
  • Real-time balance updates
  • Read-only — we can never move money
  • Disconnect any account at any time
Budgets
Set monthly spending limits by category. See in real time how much you've spent and how much is left.
  • Per-category budget limits
  • Progress bars update as you spend
  • Overspend alerts
  • Recurring monthly and yearly limits
Spending Analytics
Charts and breakdowns of where your money goes — by category, by month, over time.
  • Category breakdown charts
  • Month-over-month comparison
  • Income vs. expense tracking
  • Trend analysis
Subscription Tracking
Effortless surfaces your recurring charges automatically so nothing slips through unnoticed.
  • Auto-detected from transactions
  • Monthly and annual subscriptions
  • Easy to spot billing anomalies
Savings Goals
Set a savings target with a deadline and track progress based on your actual spending habits.
  • Multiple goals at once
  • Progress tracking
  • Milestone notifications

Free during early access

All features, no credit card, no subscription. Sign up and connect your accounts in under two minutes.