Every account, one place.
Net worth, spending, goals, and investments — for every account you have, in one app. Read-only bank connections. No advertising, ever.
Landing at launch
Subscriptions you forgot you had. Categories that finally stick.
Recurring subscription detection
A2Z Money watches your transactions and groups repeating charges into Confirmed and Possibly recurring buckets — with a monthly burn total, renewal reminders, and price-change alerts.
Smart recategorization
Recategorize a single transaction, or apply a category to every charge from that merchant going forward. Your call — once per merchant, A2Z Money remembers.
Wealth
See where your wealth actually lives.
Net worth at the top. Tap the card and an allocation donut breaks your assets into Cash, ETFs, Stocks, and any other asset class your brokerage reports — with your top holdings ranked below. The composition bar at the hero level tells you cash vs. investment mix at a glance; the donut tells you what you actually own.
- Allocation donut across every asset class
- Top holdings ranked by value
- Net-worth history grows as you use the app
Crossover
See when your money outearns you.
The Crossover chart projects when your portfolio’s inflation-adjusted growth overtakes your salary. The chart shows the exact age your investments start carrying you. No vibes, no marketing math — a projection grounded in your real account balances and your real spending.
- Inflation-adjusted projection from real account data
- Lifestyle targets — model cheaper or richer retirements
- Tweak return rate, inflation, or retirement age live
Spending
Where your money actually goes.
One screen, two views of the same month. Category bars at the top with month-over-month deltas so drift shows up early. Top merchants ranked just below so you can spot a runaway Amazon habit without leaving the screen. Miscategorized? Fix the single transaction, or apply the new category to every charge from that merchant — your call, your rule.
- Month-over-month percentage changes by category
- Top merchants ranked beneath the bars
- Recategorize one transaction or every charge from a merchant
Recurring
Every subscription, surfaced.
A2Z Money watches your transactions for repeating charges and groups them into Confirmed and Possibly recurring buckets — with a monthly burn total at the bottom so the cost of "just $9.99 here, $14.99 there" stops being invisible. Get a heads-up before each renewal, and an alert the moment a price quietly goes up.
- Detects weekly, monthly, and yearly cadences automatically
- Renewal reminders and price-change alerts (opt-in)
- Mark anything as "Not a subscription" — syncs across devices
Reports
Your month, in your inbox.
On the first of every month A2Z Money emails you an HTML statement with net-worth deltas, cash flow split, top categories, merchants, and accounts — plus optional PDF and CSV attachments. Opt-in, off by default. Use the CSVs to feed a spreadsheet or your tax workflow.
- HTML email + PDF + CSV attachments
- Opt-in, off by default
- Self-service data export for spreadsheets and taxes
Accounts & privacy
Every institution, one screen.
Plaid for 12,000+ US banks. Teller for the rest. SnapTrade for brokerages. Connect once; A2Z Money keeps everything in sync. Read-only access by design — the app cannot move your money, only show you what’s already there. Delete your account in one tap, any time.
- Plaid + Teller + SnapTrade connectors
- Read-only by design — no payments or transfers
- One-tap account deletion revokes every connection
How we treat your data
Your financial data should not be a marketing asset.
A2Z Money is funded by subscriptions, not by selling your behaviour. The choices below reflect that.
Read-only by design
Bank connections via Plaid and Teller cannot move money. The app sees balances and history; it cannot transfer, pay, or trade.
Encrypted at rest
The production database lives on a LUKS2 / AES-256 encrypted volume. Disk access alone doesn't grant access to your data.
Biometric app lock
Face ID or Touch ID required after 5 minutes in the background — even though your iPhone itself is already unlocked.
No tracking, no ads
No analytics SDKs, no behavioural telemetry, no third-party trackers. Your usage is your business.
Sign in with Apple
One-tap auth using your Apple ID. Hide My Email is supported, so you can use the app without sharing your real address.
Delete in one tap
Settings → Help → Delete account. Revokes every linked institution, deletes everything we have, immediately.
Coming soon to the App Store.
A2Z Money is in private beta while we close out App Store review. Public release is the next milestone.
Email us about the beta