Every account, one place.
Net worth, spending, subscriptions, and investments — for every account you have, in one app. Read-only bank connections. No advertising, ever.
See it in motion
Every feature, in thirty seconds.
New in the app today
A retirement number you actually understand. Subscriptions you forgot you had.
Net Worth by Age
A new projection card — swipe right from Crossover — that grows your real balance by your real savings rate and shows the today's-dollar value at every age. Headline: "At [retirement age] you'll have [amount]".
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 plots the exact age your inflation-adjusted portfolio growth overtakes your salary — "Your money outearns you at 43." That number is the moment investments start carrying you instead of the other way around. Grounded in your real account balances and real spending — no vibes, no marketing math.
- Inflation-adjusted projection from real account data
- Headline age where portfolio growth ≥ income
- Tweak return rate, inflation, or retirement age live
Net Worth by Age
How much you’ll have, in today’s dollars.
One swipe right from Crossover. Net Worth by Age grows your real balance by your real savings rate and shows the today's-dollar value at every age out to retirement. The headline says it plainly: "At 65 you'll have $9.23M." Today and Retire are marked on the curve, so you can see the slope you're actually on.
- Today's-dollar value at every age, all the way to retirement
- "Today" and "Retire" markers on the curve
- Lifestyle targets — model cheaper or richer retirements
Spending
Where your money actually goes.
Category bars for the current month with month-over-month deltas, so drift shows up early. Groceries up 22%? Dining down 11%? You see it the day it starts, not at month end. 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
- Tap a category to drill into every transaction
- Recategorize one transaction or every charge from a merchant
Top merchants
The merchants quietly eating your budget.
Below the category bars, A2Z Money ranks the merchants you spent the most at this month — so a runaway Amazon habit, a $40-a-week Whole Foods drift, or a sneaky Uber Eats streak shows up without leaving the screen. Tap any merchant for every charge from them.
- Merchants ranked by total spend this month
- Tap to see every transaction from a merchant
- Set a category once — it sticks for every future charge
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. 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 + SnapTrade connectors
- Read-only by design — no payments or transfers
- One-tap account deletion revokes every connection
Why A2Z Money
A privacy-first personal finance app for iPhone, built for the post-Mint era.
Most money apps treat your transaction history as a marketing dataset. A2Z Money treats it as yours. Subscription-funded, ad-free, read-only — designed to be the single place you check your finances, not the place you doom-scroll them.
One screen, every account
Checking, credit cards, brokerage, retirement, and crypto — across every institution, in a single net-worth view. Stop opening ten apps to find your balance.
Investments, not just budgeting
Most budget apps stop at credit cards. A2Z Money pulls in your brokerage holdings, plots Crossover and the new Net Worth by Age projection in today's dollars, and shows your real asset allocation.
Subscriptions, surfaced
Automatic detection of recurring charges with a monthly burn total and price-hike alerts. The leak in your budget you stop noticing — A2Z Money keeps noticing for you.
No ads. No data selling. Ever.
No analytics SDKs. No behavioural telemetry. No third-party trackers. Funded entirely by Pro subscriptions, so the incentives line up with yours.
Read-only by architecture
Bank links via Plaid (12,000+ US banks) and brokerage links via SnapTrade cannot move money. The app sees balances; it cannot transfer, pay, or trade.
Designed for iPhone
Native iOS app with Sign in with Apple, Face ID lock, haptics, and a layout shaped by Apple HIG — not a web wrapper. Launches fast, scrolls smooth, fits in your daily rhythm.
Frequently asked
Questions people ask before downloading.
How much does A2Z Money cost?
A2Z Money is a paid app with a free demo. The App Store download is free and lets you explore the full interface with sample data, but using the app with your own finances — linking banks and brokerages, the Crossover and Net Worth by Age projections on your real balances, recurring-subscription detection, and the monthly emailed statement — requires a Pro subscription. Pricing is shown on the upgrade screen in the app.
Is A2Z Money a good alternative to Mint, Copilot, Monarch, or YNAB?
A2Z Money is built for people who want a single private place to see net worth, spending, and investments together — without ads, behavioural tracking, or selling data. If you used Mint and want a privacy-respecting iPhone replacement that connects to banks and brokerages, A2Z Money is designed for that.
Is it safe to link my bank account?
Yes. A2Z Money uses Plaid for 12,000+ US banks and SnapTrade for brokerages — the same infrastructure used by major fintech apps. All bank connections are read-only, meaning the app can see balances and transactions but cannot move money, pay bills, or trade. Bank tokens are encrypted at rest with AES-256, and there is no advertising or behavioural tracking.
Which banks and brokerages does A2Z Money support?
Over 12,000 US banks, credit unions, and credit-card issuers via Plaid (Chase, Bank of America, Wells Fargo, Capital One, Citi, Amex, Discover, Ally, SoFi, and most local institutions). Brokerages and retirement accounts via SnapTrade (Fidelity, Schwab, Vanguard, Robinhood, E*TRADE, Interactive Brokers, and more).
Does A2Z Money track investments and net worth?
Yes. Connect your brokerage and retirement accounts and A2Z Money pulls in holdings, balances, and asset classes. Net worth at the top of the app updates automatically. The Wealth tab breaks down your portfolio into Cash, ETFs, Stocks, and any other asset class your brokerage reports, with top holdings ranked by value.
What is the Net Worth by Age projection?
A new projection card that grows your current net worth by your real savings rate and expected return, then shows the today's-dollar value at every age out to retirement. The headline reads "At [retirement age] you'll have [amount]" so the number means the same thing it would if you had it in your pocket today. Sits next to the Crossover chart in the same swipeable carousel.
How does subscription detection work?
A2Z Money scans your transactions for repeating charges and groups them into Confirmed and Possibly recurring buckets, with a monthly burn total so you can see the true cost of "just $9.99 here, $14.99 there." Opt-in reminders ping you before each renewal and alert you when a price quietly goes up.
Does A2Z Money work on Android?
Not yet. A2Z Money is currently iPhone-only, available on iOS via the App Store. An Android version is not on the immediate roadmap.
Does the app share or sell my financial data?
No. A2Z Money is funded by subscriptions, not advertising. There are no analytics SDKs, no behavioural telemetry, and no third-party trackers. Your financial data is yours. You can delete your account in one tap from Settings, which revokes every linked institution and erases everything we have.
How is A2Z Money different from a bank app?
A bank app only shows accounts at that one bank. A2Z Money combines every checking account, credit card, brokerage, retirement account, and crypto wallet you have into one view — across every institution — so net worth, spending, and investments live on one screen instead of scattered across ten apps.
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 cannot move money. The app sees balances and history; it cannot transfer, pay, or trade.
Encrypted at rest
The production server uses host-level AES-256 NVMe encryption, and bank tokens are encrypted at the app layer with AES-256-GCM. 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 → Account → Delete account. Revokes every linked institution, deletes everything we have, immediately.
Now on the App Store.
A2Z Money is live. Try the sample-data demo for free, then upgrade to Pro to link your own accounts.