Skwad: Privacy-First Budgeting

TCS Digital LLC

In-app purchases

About this app

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

Skwad doesn't require your bank login, so there's no need to re-link accounts. Skwad's approach is 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.

"I love the idea of using transaction alert emails to solve the open-banking problem." -Jon M. (CA)

Features:

Reliable connectivity
- Sync directly from the source, not intermediaries
- No more broken reconnections
- No more reconnection with passwords & 2FA codes
- 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 transactions from bank alerts
- Optional bank linking if you need it
- Extract from receipts or 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

"I love what you all are doing. As a security-conscious technologist, I thought I was going crazy watching all these big financial services and institutions give up on their in-house integrations. Giving your raw bank credentials to anybody is just...not OK." -Chuck (US)

"I always avoided using budgeting apps because you had to link your bank account to the app using third party websites such as plaid. I was always concerned about giving away my banking login info to strangers. Thank you for coming up with a budgeting app that respects privacy!" -Skye C. (US)


Experience the most reliable bank connection for yourself.

Try Skwad for free for 14 days
DIY Plan: $49 USD / year
LINK Plan: $65 USD / year


Terms of Use:
https://skwad.app/terms

Privacy Policy:
https://skwad.app/privacy

Ratings and reviews

Had issues with initial setup. The app asked for verification code that was sent to my email. As soon as I left the window to check my email, the process started over. In order to get it working, I had to open the verification window in my phone's separate web browser. Also, after signing up for the trial, I scanned my first receipt, which was just a normal Publix grocery receipt that was very legible. But it got the total wrong and hallucinated (added) a line item. So it's not reliable enough

Does a good job maintaining connections with all my financial institutions, unlike some other apps I tried that repeatedly had issues connecting. The inclusion of cross-border accounts is super useful. At first there were transactions that I needed to categorize but the app learned very quickly. The budgeting page is easier to use than the other apps I tried. I find that this app has everything I need, is more reliable, and for a better price.

The core idea for this app is genius. Unlike every other, it doesn't require you to do complicated statement exports from your online banking. Or share your banking password with some "integration" that breaks all the time and violates your security agreement. Instead it just hoovers up transactions in realtime from the alerts your bank sends you via email. They respond to and fix bug reports fast (and there aren't many bugs). They're always adding features. The cost is reasonable. AAA+.

What’s new

WIDGETS
• New: Home screen widgets for Android. Net Worth, Cashflow, Budget, Account Balance, Account Group, Recent Transactions, and Spending Compare.
• Choose which Skwad each widget shows.

BUDGETS
• New: Reserved categories. Funds assigned to a Reserved category are excluded from available-to-spend.
• Reserved categories are locked in the budget table and shown with their own indicator.

FIXES
• Tab bar spacing corrected above the 3-button navigation bar.