We Never See Your Bank Login
Import statements yourself. Bank linking through Plaid is coming soon; you'll sign in to your bank with Plaid, never with MySpendJournal.
Trust Commitment
Financial planning without handing over your bank login
MySpendJournal is designed around informed participation, user-controlled imports, and clear account controls.
User-Controlled Imports
Upload PDF or CSV statements when you choose and review transactions before saving.
Multi-Factor Authentication
Enable an additional verification step to help protect access to your account.
Private User Accounts
Financial planning information is tied to authenticated user access.
Account & Data Controls
Delete transactions and close your account when you decide.
Import File Handling
Bank statement import documents are processed for extraction and are not intended to remain as permanent document storage.
Journal Asks Before It Saves
Journal, the AI assistant, only drafts changes. Nothing is added or changed until you tap Save, and you can undo for 10 minutes.
Real Numbers From Your Records
Journal's totals and charts are calculated by MySpendJournal from your own entries. The AI explains them; it doesn't invent them.
AI You Can Understand
Journal uses AI from Anthropic, only when you use it, and your conversations aren't used to train AI models. It offers information about your own records, not financial advice.
You remain involved in your financial plan
MySpendJournal favors visibility and user review over invisible automatic activity.
Read the Privacy Policy