See where your money goes —
in 2 minutes, not 2 weeks
Connect your business bank account and get instant spending intelligence. Category breakdowns, income tracking, subscription detection, unusual spending alerts, and a personalized plan recommendation. Free for your first bank — no credit card required.
Three steps to spending clarity
Sign up in 30 seconds
Create a free account. No credit card, no commitment.
Connect your bank
Securely link your business bank account via Plaid. We never see your login credentials.
See your spending intelligence
Get instant analysis: spending categories, income timeline, subscriptions, unusual spending alerts, and a plan recommendation.
Everything you need to understand your spending
Executive Summary
3-5 bullet point financial health overview
Spending Categories
See exactly where every dollar goes across 10+ categories
Income Timeline
Track income sources with frequency detection (monthly, bi-weekly, one-time)
Subscription Tracker
Find every recurring payment with monthly and annual cost projections
Unusual Spending Alerts
Get flagged when any category spikes 50%+ above your historical average
Plan Recommendation
Data-driven bookkeeping plan suggestion based on your real transaction volume
SmartSpend vs. Doing It Manually
| Feature | Manual (Excel/Spreadsheets) | SmartSpend |
|---|---|---|
| Time to analyze | 4-8 hours/month | 2 minutes |
| Category accuracy | Error-prone | Automated |
| Subscription detection | Miss most | Catches all recurring |
| Unusual spending alerts | None | Automatic |
| Income tracking | Manual entry | Auto-detected |
| Cost | Your time ($200-800 value) | Free |
Who Is SmartSpend For?
Freelancers & solopreneurs
See if your income covers your subscriptions
Small business owners
Understand spending patterns before hiring a bookkeeper
Existing bookkeeping clients
Get real-time spending intelligence between monthly reports
Business buyers
Analyze a business's spending before acquisition
Frequently asked questions
Is SmartSpend really free?+
Yes. Connect 1 bank account and get the full analysis — spending categories, income timeline, subscription tracker, unusual spending alerts, and plan recommendation. No credit card required. Paid bookkeeping plans unlock additional bank connections.
Is my bank data secure?+
We use Plaid, the same bank connection technology used by Venmo, Robinhood, and thousands of financial apps. Your bank login credentials are never stored on our servers. All data is encrypted in transit and at rest.
How is SmartSpend different from Rocket Money or Mint?+
Rocket Money and Mint (now Credit Karma) are designed for personal finance. SmartSpend is built specifically for business owners — it categorizes transactions into business categories (Payroll, Software, Rent, Marketing), detects business subscriptions, and recommends a bookkeeping plan based on your transaction complexity.
Do I need a bookkeeping subscription to use SmartSpend?+
No. SmartSpend is a standalone free tool. If you decide you want professional bookkeeping, your spending data seamlessly connects to your bookkeeper's workflow.
What banks does SmartSpend support?+
SmartSpend works with over 12,000 US financial institutions through Plaid, including Chase, Bank of America, Wells Fargo, TD Bank, Capital One, and most credit unions.
Ready to see where your money goes?
No credit card · 2-minute setup · Works with 12,000+ banks