Spending tracking
Review spending across accounts without merging the accounts
BetterOff brings transactions from connected banks and cards into one spending view. You can review cash flow and calendar context across institutions while each source remains read-only.
- 10,000+ supported institutions
- Encryption at rest and in transit
Who it is for
This is useful when a household spends from more than one card or bank and wants a common record. It is built for review and decision-making, not for initiating payments or hiding the original account behind a new stored-value product.
How it works
A reviewable workflow, not a black box
- 01Connect the sources that contain everyday spending.
- 02Review transactions together while retaining their source-account context.
- 03Use calendar and recurring views to spot timing patterns and upcoming obligations.
- 04Ask the assistant about the connected picture, then approve any proposed record change.
What to know before choosing
The spending view sits beside investments, debts, net worth, and recurring bills. That matters when a purchase changes more than a category total. BetterOff does not sell customer data, and connected institutions remain read-only.
The single plan includes five connected sources, 200 AI messages each month, two household members, and PDF and CSV exports. It costs $15 monthly or $144 yearly and has a 30-day refund policy. Review pricing and limits, security practices, and the FAQ before signing up.
Questions people ask before deciding
Short answers to the practical limits and controls behind this page.
Does BetterOff support more than one bank or card?
The plan supports up to five connected financial sources.
Is transaction access read-only?
Yes. BetterOff cannot move money through a connected institution.
Continue your research
Reviewed by FinSync LLC