Budget without linking your bank account.

Skwad is a privacy-first budgeting app that helps you gain financial clarity without sharing your bank login with third-party apps. Skwad uses your bank's built-in email alerts to track your spending and income.

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The privacy-first budgeting app

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

Start your free trial

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Start your free trial

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Turn bank alerts intocategorized transactions

How it works

1. Get a scan address

Get started

2. Send transaction alerts

Set up automated spending & deposit alerts from your bank or credit card provider to your Skwad scan email address.

See an example

3. Skwad does the rest

Skwad converts these alerts into categorized transactions for you.

Your browser does not support the video tag.Your browser does not support the video tag.Instant Sync

Auto-categorize transactions on every swipe, tap, and transfer

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Everything you need to navigate your financial journey

Reliable connectivity

Sync directly from the source, not intermediaries

No more broken reconnections

No more passwords & 2FA headaches

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 from your email

Optional bank linking if you need it

Extract transactions from receipts and 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

Why members love Skwad

Skwad is the only app that solves my problem. Other apps don't have support for my older bank, but I do get email alerts and Skwad parses them well.

Cecilia B. 🇨🇦

I stopped using other apps because I was forced to re-sync my accounts EVERY SINGLE TIME I logged in. I've never had this issue with Skwad, and my transactions appear instantly.

Derek Z. 🇺🇸

I use Skwad to track my personal and business transactions. I uploaded over 6000 transactions and they were processed instantly.

Tammy C. 🇺🇸

I was never comfortable with sharing my bank passwords, so I used spreadsheets. Before Skwad I spent hours manually adding each transaction into my tracker. Skwad saves me hours every month.

Sonya O. 🇺🇸

Before Skwad, the apps I tried all had the same connection problems with my bank. Skwad is the only app that never has issues pulling my transactions.

Jason C. 🇨🇦

As a Canadian looking for a Mint alternative, Skwad is the best option I've found.

Elliot K. 🇨🇦

Security & privacy concerns? We've got you covered

Read the fine print. Your money may not be insured if your bank password is leaked through a third-party app.

Your password isn't the only thing at risk. Finance apps and their data providers have access to more information than you think.

With third-party providers

Full account number
Routing numbers
Legal name and address
Full transaction history
And more...

With Skwad, you're in control

Transaction and balance alerts you forward to Skwad

Why Skwad?

No ads. No compromises.

Our goal is to help you maintain your privacy and security while making better financial decisions. Sadly, the finance industry has become too comfortable with requiring you to provide your bank passwords to various apps and their third-party partners. Unlike other services, Skwad's email scans never require your bank passwords, account and routing numbers, or private information like your address or legal name — just simple transaction tracking and analysis. Skwad doesn't require bank logins for email scans, so there's no need to re-link accounts. Skwad's approach is also 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. We are here to assist you on your financial journey, and we promise never to sell you any unnecessary loans or credit cards. Additionally, we will never sell your data.

Start your free trial

Dive in

Learn more about Skwad and how we can help you achieve your goals.

See how Peter uses Skwad without bank alerts \
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No bank alerts? No problem! Peter imports transactions to Skwad using iOS shortcuts

Is it safe to connect your bank account to budgeting apps? \
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Sharing your bank credentials with budgeting apps can violate your bank's terms of service.

Extra security with email forwarding \
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Learn how to forward select transactions from Gmail to Skwad for extra security

The problem with budgeting apps in Canada \
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Apps in Canada face issues with unreliable data aggregators leading to service disruptions.

How Skwad scan email addresses work \
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See how Skwad automates transaction syncing without bank login information

Importing your Mint transactions \
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Learn how to transfer your Mint transactions into Skwad in two easy steps

Frequently asked questions

Is my bank supported?

Your bank is supported if you receive email alerts for transactions or balance updates. Most banks and credit unions have this feature. Check out our list of common accounts that work with Skwad.

My bank doesn't support email alerts. Can I still use Skwad?

Yes. Skwad supports bank linking with support for 11,000+ financial institutions.

What is a Skwad scan email address?

After signing up, you'll receive a unique email address from Skwad. You can forward email receipts, transactions alerts from your bank, or send attachments to this address to have them processed. See how it works.

Can I automatically import transactions?

Yes. Both email scans and bank linking automatically import your transactions and balances.

My bank only allows one email. Can I still use Skwad?

Yes. Your bank alerts can be forwarded to Skwad from your primary email address.

Are there different subscription plans available, and how do they differ?

Yes, see our pricing section for more details.

What about refunds or returns?

Skwad will automatically identify and categorize refunds and returns as soon as your bank sends the alert.

Can I upload my old transactions?

Yes. You can upload CSVs, Excel, or Quicken files from services like Mint, or your bank or credit card provider.

Can I manually add transactions?

Of course! You can manually add transactions in the app by typing them in or uploading a receipt image.

Can I track my net worth with Skwad?

Of course! Both email alerts and bank linking can be used to track your net worth.

How long do transactions take to process?

With email alerts, transactions get synced in seconds. For bank linking, it depends on your bank and the data provider, but most typically sync in 24 hours.