See exactly where your money goes.
SpendIntel AI securely connects your bank and surfaces every recurring commitment — subscriptions, bills, loans, card payments, BNPL, and recurring P2P — so you can see what is truly recurring before money leaves your account.
Welcome back, Alex
Financial Overview
Monthly obligations
$1,284
counted total
Confirmed
18
evidence-backed
Needs review
5
not counted
Recurring obligations · last 6 months
Top obligations
Auto loanConfirmed
Loan · monthly
Card paymentConfirmed
Credit card · monthly
StreamingConfirmed
Subscription · monthly
Read-only access
We can never move money
AES-256 encryption
Tokens encrypted at rest
Powered by Plaid
Credentials never touch us
Per-user isolation
Your data stays yours
From connection to clarity in three steps
Connect securely
Link your bank in seconds through Plaid. Read-only access — SpendIntel AI can analyze, but never move money.
Detect what recurs
A multi-signal engine surfaces recurring obligations across every account — with amounts, cadence, and confidence scores.
Review & stay ahead
Confirm what is truly recurring, see what is projected, and know every upcoming charge before money leaves your account.
A real platform, not a spreadsheet
Explore the surfaces that turn raw transactions into clear, reviewable decisions — overview, recurring obligations, the review queue, forecast, financial health, and the AI CFO.
Welcome back, Alex
Financial Overview
Monthly obligations
$1,284
counted total
Confirmed
18
evidence-backed
Needs review
5
not counted
Recurring obligations · last 6 months
Top obligations
Auto loanConfirmed
Loan · monthly
Card paymentConfirmed
Credit card · monthly
StreamingConfirmed
Subscription · monthly
Your whole financial picture on one screen — counted total, confirmed count, and what still needs review.
Recurring obligation intelligence — not just a subscription tracker
Most tools stop at streaming services. SpendIntel AI understands the full shape of what recurs, and is honest about what it is sure of.
Beyond subscriptions
Subscriptions are one category. SpendIntel AI also tracks bills, loans, card payments, BNPL, recurring P2P, and trials — the full shape of your recurring money.
Confirmed vs needs review
Evidence-aware detection separates confirmed obligations from low-confidence guesses. Only confirmed items count toward your total, so the number stays honest.
Visibility before it leaves
Upcoming bills and projected first-charges are surfaced ahead of time — including trials about to convert — so nothing catches you by surprise.
Your financial data, seriously protected
Security isn’t a feature here — it’s the foundation. Read-only connections, encryption at rest, and per-user isolation, by design.
Multi-factor authentication
MFA (TOTP) support protects account access with a second factor.
Encrypted token storage
Bank access tokens are encrypted at rest with AES-256-GCM in an access-restricted store.
Secure Plaid connection
Read-only bank links via Plaid — credentials never touch our servers.
Privacy-first architecture
We analyze your data to help you — we don’t sell it. Row-level isolation keeps your data yours.
Controlled access model
Strict role-based access and per-user data isolation across the platform.
Audit logging
Sensitive operations are recorded in an immutable audit trail for accountability.
Yes. Bank connections are handled by Plaid, a trusted financial data network used by thousands of apps. Access tokens are encrypted at rest with AES-256-GCM and stored in an access-restricted database. We use a read-only connection — SpendIntel AI can read transactions to analyze them, but can never move money.
No. You enter your bank login inside Plaid’s own secure window — your username and password are never seen by or stored on SpendIntel AI. We only receive a revocable, read-only access token.
Plaid is the secure bridge between your bank and SpendIntel AI. When you connect, you authenticate directly with your bank through Plaid. Plaid then provides SpendIntel AI a permissioned, read-only feed of your transactions so we can detect recurring obligations and analyze spending.
Anytime, in one click. Disconnecting removes the connection at Plaid, clears the stored encrypted token, and stops all syncing. You stay in full control of your data.
Yes. You can get started free — connect an account and see your recurring obligations and spending analysis at no cost. Paid plans add deeper AI CFO analysis and advanced monitoring.
The AI CFO reviews your recurring commitments and transactions and explains them in plain language — surfacing overlapping services, rising costs, and patterns worth a closer look. It is informational analysis to support your decisions, not financial, legal, or tax advice.
Take control of your money today
Connect an account in minutes and let SpendIntel AI surface the recurring commitments worth a closer look.
No credit card required · Disconnect anytime · Read-only access