Skwad

Skwad is a budgeting app that tracks spending in real time. Users can connect their bank in two ways: by forwarding bank built-in email alerts to a unique Skwad email address (email scans, which the page says require no banking credentials to be shared), or by using bank linking through a partner (Plaid or MX are mentioned) for 11,000+ institutions across US and Canada. Features on the page include zero-based envelope budgeting with rollovers, custom paycheck cycles, monthly spending recaps and alerts, subscription detection, line-item transaction splits, receipt scanning, bank statement PDF conversion to Excel, multi-currency support, CSV/OFX/QIF/Excel import, and shared workspaces for couples with a free companion seat. The page states a 15-day free trial and a 30% first-year discount code, and references Mint migration and comparisons with YNAB, Monarch Money, Plaid, Simplifi, Actual Budget, and Mint.

Key features

• Zero-based envelope budgeting with automatic rollover of excess
• Custom paycheck cycles (bi-weekly, monthly, or irregular)
• Monthly spending recaps with notifications for double charges and subscription changes
• Multi-currency support with built-in currency conversion
• Line item splits across multiple envelopes
• Multi-platform sync across web and mobile
• Subscription detection and alerts for price changes
• Receipt scanner that extracts and categorizes line items
• Bank statement PDF conversion to Excel
• Shared accounts, bills, and budgets for couples with a free companion seat
• Email-based transaction sync via bank alerts forwarded to a Skwad email address
• Optional bank linking via Plaid or MX for 11,000+ institutions in US and Canada
• Import of CSV, OFX, QIF, and Excel/Quicken files, including Mint exports
• Custom reporting and spending breakdowns by category and merchant

Best suited for

• Users who do not want to share banking credentials
• Couples or households sharing budgets
• Users migrating from Mint
• Users who want envelope-style budgeting
• Users with banks that offer email transaction alerts

Pricing

Not stated on the website