SMALL STEPS. BIGGER POSSIBILITIES.
Meet MyFinance: your personal money workspace. See where your money goes, build better spending habits, and make a plan for less debt and the life you want.
One plan for your household. No bank connection needed. No perfect budget required.
Your own pace. Your own priorities. Estimates, not promises.
WHAT YOU GET · 7 QUICK WINS
MYFINANCE / YOUR NEXT CHAPTER
Checking your secure session…
Your plan
Database rules keep workspaces separate. Other users do not have access to your financial workspace by default. Passwords are stored as salted hashes, and sessions expire after 10 minutes without interaction.
MyFinance does not connect to your bank or move money. You choose which statement files to import.
Authorized server operators retain infrastructure access. Support access requires your approval and is time-limited and audited.
Start with a statement, not a bank connection.
MyFinance never moves your money.
Just one small start.
Import a statement. Get a clearer picture.
Choose your next step when you are ready.
LESS OVERWHELM. MORE “I CAN DO THIS.”
BASIC
Import CSV or OFX/QFX files from any bank or credit card, or PDF statements from TD Bank. Review categories and see spending in one place. A useful first step, not another spreadsheet project.
PRO
Category budgets, spending trends and forecasts help you spot patterns. Recurring-charge and unusual-charge alerts show what deserves a closer look.
PRO
Compare debt payoff plans and set monthly savings targets for an emergency fund, a home, college or a well-earned adventure.
ONE PLAN. YOUR WHOLE HOUSEHOLD.
Choose Basic or Pro. A 15-day trial includes all Pro features after selecting a plan and adding payment details in Stripe hosted Checkout.
BASIC
$9.99USD / month per household
Analytics, budgets, debt planning and goals require Pro.
PRO
$14.99USD / month per household
All Pro features are included during your 15-day trial, whichever plan you select.
Prices in USD, per household. Your selected plan is automatically charged after the 15-day trial unless cancelled. Only the household owner manages billing and invitations. Cancel in the Stripe billing portal; trial access continues until its end. The owner receives a reminder email 24 hours before the trial ends. Payment details are never entered in this app. Existing paid access is retained.
Month-by-month income, spending and net cashflow by year
YOUR SPENDING, ORGANIZED
A little clarity for every part of your life. Open a category to explore its transactions.
MYFINANCE PRO · ANALYTICS
Trends, moving averages, forecasts and signals across every category, so you can act before the month gets away from you.
KNOWLEDGE BASE · FIRST GUIDE
A practical guide to what each view measures, how to use it, and what it can (and cannot) tell you.
MyFinance has two analytics views with different jobs. Overview looks for changes in your own transaction history. Spending Compass adds context from published U.S. household spending data and looks for places your own spending could move toward levels you have already reached.
GETTING USEFUL RESULTS
Missing statements make totals look lower than they were. At least 3 complete months help the Overview averages; longer histories make trend signals steadier. Compass comparisons use completed months and need at least 3 full months in standard spending categories.
Correct categories make category comparisons meaningful. Transfers between your own accounts are excluded from spending to avoid counting the same money twice. Review unusual classifications before acting on a signal.
In Spending Compass, enter household size, region and rent/own status for a closer comparison. Until you do, it uses the average U.S. household. Comparisons are guideposts, not targets every household should meet.
Forecasts assume recent patterns continue. They are estimates, can change when new transactions arrive, and are not financial advice.
ANALYTICS · OVERVIEW
Use this view to notice a change, identify where it came from, then decide what to inspect or adjust.
Six quick checks summarize the current month and recent household finances.
Spending since the first of this month, compared with the same point last month. Useful for spotting a change in pace; partial months should only be compared at the same point in time.
Estimated month-end spending, including bills still due and typical flexible spending for the remaining days. Treat it as an early warning, not a promise.
Average monthly spending across the last 3 full months, shown beside average income. A quick baseline for whether the household is generally spending more or less than it brings in.
Average income left after spending, as a share of income over those 3 full months. It cannot be measured without recorded income and may be negative when spending exceeds income.
The share of average monthly spending marked as fixed bills. It helps distinguish committed costs from more adjustable spending; incorrect fixed-bill labels distort this share.
This month's spending pace per elapsed day, alongside days left in the month. Use it with the projection to see whether the current pace is sustainable, not as a spending target.
Plots this month's spending pace beside last month and estimates the finish, splitting the estimate into bills still due and expected flexible spending. Check it after large purchases or as bills come due; compare like-for-like months and remember that new data can move the estimate.
Projects the recorded balance forward if typical income and spending continue. The starting point comes from your latest recorded account balance; the line highlights the projected balance, lowest point and typical surplus or shortfall. Update balances and fixed bills, and treat the result as a scenario—not a guaranteed runway.
Shows up to 12 months of spending, a 3-month moving average and income. The average smooths one-off bumps so you can see direction; use the monthly bars to find when a change began. Missing statement months can make the trend misleading.
Finds steady, scheduled charges that are not already marked as fixed bills, estimates their monthly/yearly cost and flags detected price increases. Review the merchant, amount and cadence: a repeating charge is not automatically a bill or subscription. Mark genuine bills fixed so they can feed the bill calendar and forecast; review unwanted charges with the provider.
For each spending category, compare this month, the same point last month, 3- and 6-month averages, share of spending, trend and volatility. “Running hot” means the projected month is at least 15% above its 3-month average; “Cooling” is a direction, not proof that spending is healthy. Sort the columns, then open a category to inspect its transactions.
Surfaces individual charges or category spending far outside the usual pattern. Use it as a review queue for possible duplicates, miscategorized items or genuine one-offs—not an automatic fraud alert. Confirm against the statement before changing anything.
Ranks where the last 90 days of spending went, including transaction count, average purchase, share and change. It is useful for finding a concentrated or growing expense; a high total alone does not tell you whether the spending is avoidable.
Totals recent spending by weekday and weekend, with an average week and quietest day. It can prompt questions about routines, but it does not adjust for how many of each weekday occur or why purchases happened. Treat small differences as descriptive, not behavioral evidence.
SPENDING COMPASS
Compass is not another forecast. It combines your category history with published Consumer Expenditure Survey benchmarks, adjusted for household size, region and housing. Set a time period for each panel; short or incomplete periods can produce unstable comparisons.
Start here. It estimates potential monthly savings for categories where spending is at least $10 above a suggested level and is either above a relevant benchmark or showing an upward trend. Suggested levels are based on your own lower-spending months, typical household spending or—when spending is seasonal—the same months last year. The opportunity is a scenario, not a promised saving or a requirement to spend like another household. Review the category evidence before setting a target.
Shows how average monthly income is divided among fixed bills, everyday categories, debt minimums and money left over. Use it to see the broad shape of your budget and which category contributes most. It reflects imported and classified activity; it cannot include bills or debt payments that were never recorded.
Combines three separate checks—above a similar household, trending up and unusually high for your own history. Categories with multiple signals deserve earlier review; one signal alone is a prompt to watch, not a verdict. This adds benchmark and unusual-month context beyond Overview's category trend table.
Explores vendors and spending concentration. Select a bubble to see that vendor's story; change the bubble size or color to explore the available measures. It helps move from “which category?” to “which merchant?”—but a large merchant is not necessarily a problem.
A category-by-month view that makes seasonality, recurring peaks and unusually quiet months easier to see. Hover or focus a cell for the exact value. Compare complete months only; a missing statement is not a zero-spending month.
Compares recent category spending with its historical range and shows how exceptional the latest month is relative to prior months. Use it to distinguish a routine fluctuation from a genuine spike, while checking that the history is complete and relevant.
An optional detail table for average vs. typical spending, momentum, moving-average crossovers, volatility bands, how many recent months rose, and whether change came from purchase frequency or purchase size. It is for investigating the “why” behind a signal; the headline and plan are enough for a quick review.
Benchmark values come from the cited U.S. Bureau of Labor Statistics Consumer Expenditure Survey, not other MyFinance users. Contracted bills such as mortgage, rent, loans, insurance and internet are not compared. Survey averages are context, not a judgment about what you should spend.
WHAT IS DISTINCTIVE?
The month-end forecast, category signals and recurring-charge review each suggest a concrete next step: check the pace, investigate a category, or verify a repeating payment. Compass adds a different lens by combining personal trends with an external household benchmark.
Overview's “Running hot” signal compares a category with your own recent average; Compass's overlap adds whether it is above a similar household and unusually high for you. These are related but not identical. Use Overview to spot movement, Compass to add context, and transaction details to decide.
Weekly rhythm currently reports weekday totals and a peak day, but gives little context for day-of-week frequency or a practical action. If it does not change a decision, it may be a candidate to simplify or replace with a normalized comparison. Top merchants can also be descriptive unless the user can drill into a specific opportunity. These are product questions, not conclusions from your personal data.
PERSONALIZE YOUR WORKSPACE
Manage category names and the merchant mappings that automatically organize future imports.
A CLEARER PATH FORWARD
Every balance in one place. Pick a strategy, set what you can afford and watch the finish line move closer.
LESS GUESSWORK. MORE INTENTION.
Review imported spending and all your goals together. This is local, evidence-based coaching, not an external AI service or a CPA. No financial data is sent to third parties.
EVERY DETAIL, IN ONE PLACE
Review your activity, refine categories, and keep track of recurring bills.
Swipe sideways to see all transaction details.
| Date | Description | Category | Fixed / Income | Pays by | Amount |
|---|
Current imports save valid new rows directly and show duplicates, warnings and errors in the import result. This queue is only for older records.
Legacy import review How import results workOLDER QUEUED RECORDS ONLY
Current imports do not wait here. Read their results in the import dialog.
These records came from an older import queue. Compare with Transactions before using Add anyway: it bypasses duplicate checks and saves the record as Other without an account. Review the category and assign its source under Accounts afterwards. Dismiss removes only the queued copy, not an existing transaction.
| Date | Reason | Description | Amount | Action |
|---|
MAKE ROOM FOR WHAT MATTERS
Every goal gets a monthly amount that fits next to your bills and your debt-free plan.
KNOW WHERE YOUR MONEY GOES
Organize your imported accounts and review transfer recipients, so your spending, income and savings tell the right story.
ADVANCED DIAGNOSTICS / TRANSACTIONS
A closer look at how your totals are built. Review an imported statement and correct transfer decisions when needed.
Select an import first, then narrow by how transactions are handled. Review 50 transactions per page.
Choose an import to see its transactions and review how they affect your totals.
| Date | Description | Account / file | Category | How handled | Amount | Correct decision |
|---|---|---|---|---|---|---|
| Choose an import to get startedYour transactions will appear here, 50 at a time. | ||||||
ADVANCED DIAGNOSTICS / WORKSPACE HISTORY
Review imports and changes made in this workspace. Times are shown in your local time zone.
Imports, corrections and account activity in one place.
LEARN MYFINANCE
Short, narrated walkthroughs. Press play, pause any time, or jump to a chapter.