Skwad: Privacy-First Budgeting

Understand your spending without linking your bank. Skwad syncs your transactions using your bank's built-in email alerts.

Skwad doesn't require your bank login, so there's no need to re-link accounts. Skwad's approach is faster because your bank sends alerts immediately, and we process them instantly. Other apps typically refresh only after you login, or on a schedule, which can be hours or days after your purchase.

"I love the idea of using transaction alert emails to solve the open-banking problem." -Jon M. (CA)

Features:

Reliable connectivity
- Sync directly from the source, not intermediaries
- No more broken reconnections
- No more reconnection with passwords & 2FA codes
- No delayed transactions

Take control of your spending
- Multiple budgeting options
- Visualize your cashflow & categories
- Compare spending to previous periods
- Export your data for offline analysis

Understand your finances
- Auto-import transactions from bank alerts
- Optional bank linking if you need it
- Extract from receipts or bank statements
- Import from Csv, Excel, or Quicken

Customize your expenses
- Fully customizable categories
- Recategorize, split, or hide transactions
- Breakdown transactions into line items
- Enhance transactions with receipt data

Never miss a payment again
- Get alerts for upcoming bills
- Loan payment reminders
- Sync bills to your calendar
- Wave goodbye to late fees
- Instant double charge alerts

Multiplayer mode
- Invite one or more companions
- Share your accounts and transactions
- Eliminate debt together
- Your first companion is free

"I love what you all are doing. As a security-conscious technologist, I thought I was going crazy watching all these big financial services and institutions give up on their in-house integrations. Giving your raw bank credentials to anybody is just...not OK." -Chuck (US)

"I always avoided using budgeting apps because you had to link your bank account to the app using third party websites such as plaid. I was always concerned about giving away my banking login info to strangers. Thank you for coming up with a budgeting app that respects privacy!" -Skye C. (US)


Experience the most reliable bank connection for yourself.

Try Skwad for free for 14 days
DIY Plan: $49 USD / year
LINK Plan: $65 USD / year


Terms of Use:
https://skwad.app/terms

Privacy Policy:
https://skwad.app/privacy

Recent changes:
WIDGETS
• New: Home screen widgets for Android. Net Worth, Cashflow, Budget, Account Balance, Account Group, Recent Transactions, and Spending Compare.
• Choose which Skwad each widget shows.

BUDGETS
• New: Reserved categories. Funds assigned to a Reserved category are excluded from available-to-spend.
• Reserved categories are locked in the budget table and shown with their own indicator.

FIXES
• Tab bar spacing corrected above the 3-button navigation bar.