A hosted household-finance manager built on years of doing it the hard way. Bill matcher that learns from your statements, what-if scenarios that answer real questions, payoff goals that track your card balances live, and AI-cleaned transactions that stop fighting your bank's gibberish descriptions. Sign up, start your free trial, and go — nothing to install.
Every feature was added because we wanted it for our own households first — not to fill a spreadsheet of competitor parity.
Set a vendor pattern and an amount mode (fixed / drifts / variable). Incoming transactions auto-link to the right bill, the going-forward expected snaps to the latest payment, and the ones the matcher isn't sure about land in a triage queue for you to confirm.
13 calculators across cash flow, wealth, debt, and life events: bump your 401(k), balance transfer math, biweekly mortgage payoff, have a kid, buy a house, sabbatical runway, recession stress test. Concrete numbers, not slogans.
Save toward a number (emergency fund, down payment, 529) or pay down toward one ($0 balance, 30% utilization for credit-score health). Credit-card payoff goals auto-track your card balances live — no manual updates.
Conversational assistant with tenant-scoped tools. Learns your manual merchant renames so future imports inherit them. Cleans transaction descriptions, categorizes, suggests rules — and never overrides what you've explicitly set.
Hosted on managed infrastructure with per-tenant isolation and encryption at rest. Money is integer cents (never floating point), attachments are encrypted per-tenant, and you can download a full .smrtcash archive any time — leaving is always your option.
Year-over-year by category, month-over-month movers, day-of-week spending pattern, tax-deductible YTD, savings rate by month, first-time merchants, bill price drift — plus CSV export on every one.
The public docs are linked below. The release notes are honest about what's new and what's broken.
The 90-second tour: what SmrtCash is, who it's for, what ships today.
Every capability that's live, by area. Searchable, scannable.
Sign up, import your first statement, see where the money's going. ~5 minutes.
Architecture, data model, what the pieces do and how they fit together.
Every release, every slice, every fix. We don't hide the bug fixes.
What's done, what's next, what's deliberately deferred and why.
What we collect, what we don't, where it lives.
The rules of the road.
