Skwad

You forward or point your bank's email alerts at Skwad, and the app turns each one into a tracked transaction.

Skwad is a privacy-focused budgeting app that reads those alerts instead of asking for your bank login, so you never hand over a password.

Syncing is instant, since a transaction shows up as soon as the alert arrives.

The catch is setup.

You have to turn on email alerts with your bank first, and the method only works as well as the alerts your bank sends.

That approach does mean older banks with no direct connection still work, which is where many budgeting apps fall short.

If you want wider coverage, you can optionally link your bank account.

That option relies on a third-party service, SimpleFIN.

Skwad also has features for couples who want to share finances in one place, which suits partners who budget together.

The mobile app is currently in beta, so expect some rough edges there.

As an AI accounting and document extraction tool for personal money, Skwad suits people who care more about privacy than about one-click bank linking.