Three decisions shaped it. The demo is linked at the end and runs on sample data.

1. The asset is the unit

Each car on a car-sharing app like Turo, each rental and each freelance client gets its own profit, break-even and year report, grouped the way Schedule C and E group them.

2. What it won't do

• Move money. It's read-only, there's no transfer button anywhere.
• Get your bank password. Sign-in goes through Plaid, so it never reaches my servers.
• Send anything to AI unless you ask. Nothing goes to Slip, the in-app assistant, until you type a question, and you can turn Slip off.

Data is encrypted with AES-256 at rest and bank connection keys get a second AES-256-GCM layer. No ads, no data selling, and you can delete everything from the app or the web. Details on the security page.

3. Say so when a number can't be verified

If some transactions aren't assigned to any asset, the Business page says right under the totals that they're only as complete as what's tagged. I'd rather show that than a cleaner total.

The rest

• Net worth with every debt counted. The car loan sits next to the car.
• A budget as one left-to-spend number, with bills already paid and still coming.
• Subscriptions found in your transactions.

How it's built

• Money is stored as integer minor units end to end, never a float.
• Plaid access tokens never reach a client. They're encrypted with AES-256-GCM using a key kept outside the database, and Postgres row-level security sits behind the app's own auth checks.
• Deleting your account calls Plaid's /item/remove, so the connection is gone too.
• The Android app is React Native (Expo), reading through versioned route handlers in the same Next.js codebase as the website. The iPhone app today is a thin Swift shell around the web app, and the same Expo app replaces it next.

Google Play approved it on 5 Oct 2026 and the App Store on 14 Oct 2026.

Scope and price

US banks only through Plaid, up to five banks. Web, iPhone and Android. 7-day free trial, no card on the web, then $6.99 a month or $59.99 a year on the web.

Demo, no signup: moneyactually.app/demo/business

If you've built on bank data, what did you decide your app would never do, and what did it cost you?