Budget your money.
Without linking your bank.
Mint, YNAB, Monarch, and Copilot all want your bank credentials through Plaid or MX. Harbor Money never does. You forward your bank's transaction-alert emails to a private address, we parse them into clean transactions, and you categorize, set goals, and watch your budget — without any aggregator ever touching your accounts. 7 days free, then $4.99/mo or $40/yr.
Three steps. No credentials.
The budget app that doesn't want your password.
No Plaid, no MX, no aggregator ever holds your credentials. If a data breach hits an aggregator, your accounts aren't in it — because they were never connected.
Your inbound address is yours to rotate or kill whenever you want. Stop forwarding and the data simply stops. No silent re-linking, no "reconnect your bank" emails.
Your transactions are yours. Nothing is sold to advertisers or analyzed to pitch you credit cards — the business model the big aggregators run on.
Multiple accounts, categories, recurring transactions, savings goals, and reconcile-to-balance. A privacy-first alternative to Mint, YNAB, Monarch, and Copilot.
7 days free. Then one plan.
- Forward transaction emails from any bank
- Automatic parsing into clean transactions
- Categories, recurring, and savings goals
- Multiple accounts and reconcile-to-balance
- Optional AI parsing assist with on/off toggle
- Rotate your inbound address anytime
A privacy-first alternative to Mint, YNAB ($109/yr), Monarch ($99.99/yr), and Copilot Money ($95/yr).
Budget without giving up your bank login.
Start your 7-day free trial, get your private forwarding address, and start turning your bank's alert emails into a real budget — in minutes.
Start 7-Day Free Trial → 📍 Built in Pembroke, MA · Part of Harbor PrivacyQuestions about budgeting without a bank login.
How does Harbor Money track spending without a bank login?
You forward your bank's transaction email alerts to a private Harbor Money address, and we parse the amounts and merchants from those emails. We never connect to your bank account directly.
Why not just use Plaid like Mint or YNAB?
Plaid, MX, and similar aggregators require your actual bank login credentials and pull your full transaction history. Harbor Money only ever sees what's in the email alerts you choose to forward.
Do I need to create an account?
Yes. Harbor Money runs on a 7-day free trial, then $4.99/mo or $40/yr, so your parsed transactions and budgets are available in your dashboard over time.
Which banks does it work with?
Any bank that sends transaction alert emails works, since Harbor Money parses those emails rather than connecting to a specific bank's API.
Is Harbor Money free?
Harbor Money has a 7-day free trial. After that it's $4.99/mo or $40/yr — there is no free tier once the trial ends.
How is this different from Mint, YNAB, or Monarch?
Mint, YNAB, Monarch, and Copilot Money all require linking your bank account through an aggregator. Harbor Money is built around never asking for that login at all.