Your finances don't fit in a monthly budget. Neither should your tools.
Synx tracks monthly spending, annual goals, and one-off trips — all at once. Every feature you need, none of the subscription math you hate.
Start your 30-day free trialNo credit card. Cancel anytime.
Three things no competitor does.
Surgical Control.
Plan a vacation. Track a wedding. Budget a home renovation. Synx lets you create budget trackers for any trip, any event, any moment — not just the calendar month. Tag transactions in seconds and watch your event budget update in real time.
- ✓ Monthly, Annual, and Trip budgets running simultaneously
- ✓ Tag any transaction to any event with one click
- ✓ See exactly where you stand mid-trip, not post-credit-card-bill
Built for two. Priced for one.
Merge finances without merging accounts. Synx gives couples a shared "Us" dashboard and individual private views — at the same time.
- ✓ Owner and member roles with separate logins
- ✓ Toggle between shared household view and private view instantly
- ✓ Partner referral discount — because your finances are already shared
Finance software that gets cheaper every month you use it.
We don't build recurring revenue into your bank data. The $0.40 per bank connection is to pay for the cost of automatically getting your transactions from your bank so that we can work our magic.
- ✓ $35 one-time platform fee — own it permanently
- ✓ $0.40/bank/month
- ✓ Break even vs. Rocket Money in under 7 months with 3 banks
Everything included, no tiered membership system, just value.
Monthly Budgets
Set it and forget it. Your monthly budget auto-resets and tracks spending in real time.
Annual Budgets
Zoom out. See the full year's trajectory before it becomes a year-end surprise.
Trip & Event Budgets
Budget the vacation, the wedding, the renovation. Tag any transaction to any event.
Live Spending Pacemaker
"On track to save $412 this month." Know your trajectory before month-end, not after.
Insights Dashboard
Six months of cash flow history, category breakdowns, and tag trend charts in one view.
Drag-and-Drop Categories
Build your own category structure. Create, rename, nest, and reorder — exactly how your brain works.
Sub-categories
"Groceries > Trader Joe's." Go as deep as you need without losing the top-level view.
Merchant Rules Engine
Tell Synx once how to categorize a merchant. It applies the rule to every transaction — past and future.
Bulk Transaction Editing
Tag, categorize, or split 50 transactions at once. No more one-at-a-time tedium.
Custom Tags with Colors
Tag transactions by event, person, or project. Full color palette. Fully yours.
Tag Trend Charts
See how your tagged spending changes over time. Useful for budgets. Eye-opening for habits.
Connect to 12,000+ Banks
If it has a balance, we can track it. Chase, AMEX, Fidelity, credit unions, fintech cards.
Daily Transaction Refresh
Your data stays current without you doing anything.
Household / Couples Mode
Owner and member roles, shared dashboard, private view toggle. Finance for real life.
Coming SoonDark Mode
Full dark mode throughout the app. Every screen, every chart.
CSV Import Wizard
Switch from Monarch, Copilot, or Rocket Money in about 10 minutes. We built the import ourselves.
Category History Migration
Your old categories come with you. No re-categorizing from zero.
Interactive Pricing Calculator
See your exact monthly cost before you sign up. No surprises.
Mobile Native Application
A native Android app for the full Synx experience on the go. iOS follows — web still does all the heavy lifting from any browser.
Coming SoonNo Ads. No Upsells.
We don't sell your data. We don't push premium tiers. We don't negotiate your bills for a cut.
Privacy-First Architecture
We never see your bank password. Connections are secured through Plaid's bank-grade encryption.
A few honest comparisons.
We'll let the math speak.
| Synx | Monarch | Copilot | Rocket Money | |
|---|---|---|---|---|
| Annual ongoing cost (5 banks) | $24 | $99.99 | $95.99 | ~$108 |
| Trip / Event budget trackers | ✓ | ✗ | ✗ | ✗ |
| Household / couples mode | ✓ | ✓ | ✗ | ✗ |
| Native Mobile App | Coming Soon | ✓ | ✓ | ✓ |
| Competitor CSV import | ✓ | ✗ | ✗ | ✗ |
| Pricing model | Pay for what you use | Flat subscription | Flat subscription | "Pay what you want" |
| Revenue from selling your data | Never | No | No | May share data |
| Read-only bank access | ✓ | ✓ | ✓ | ✓ |
| Dark mode | ✓ | ✓ | ✓ | ✗ |
Copilot is beautifully designed — with native iOS and Android apps, at full subscription price. Monarch is full-featured — at full subscription price. Rocket Money is free to start — and paid to stay. Synx is built differently.
Read-only access. Bank-level encryption.
We connect with secure tokens — not your bank username or password. We never see, store, or hold your actual credentials.
Your data is encrypted in transit and at rest, using the same kinds of safeguards financial institutions rely on. Read-only access means we can sync your activity to power Synx — never move money or act on your behalf.
Read-only access
We can see. We cannot touch. Synx has zero ability to initiate transfers, payments, or withdrawals.
Your password stays yours
You sign in through your bank's official flow. We only receive a secure token — we never see or store your login details.
12,000+ bank connections
Major banks, credit unions, investment accounts, and fintech cards.
Synx uses Plaid for bank connectivity. Plaid is used by over 8,000 financial apps.
Switching takes 10 minutes.
We built the import ourselves.
Export your transaction history from Monarch, Copilot, or Rocket Money as a CSV. Drop it into Synx. Your categories, your history, your clean slate — without starting from zero. Most users are fully set up before the coffee goes cold.
Export your CSV from your current app
Import it into Synx using our migration wizard
Your history and categories transfer automatically
Try it free for 30 days.
No credit card. No subscription. Cancel anytime — though nobody really wants to.
Start your 30-day free trial30-day free trial. $35 one-time fee after. $0.40/bank/month after that. That's the whole deal.