Every morning, get a short, calm email with your purchases, your total spend, and how it compares to your usual.
Everything you need in a 15‑second scan. Nothing you don’t.
Connect your card, tell us when to send. That’s it. No categories to configure, no budgets to set, no goals to define.
We analyze your past 24 months on day one. Your very first memo already knows what’s normal for you — and what isn’t.
See who spent what across shared and authorized user cards. One email, the whole picture.
Your data is encrypted and only used to power your memos. We never sell it, share it, or monetize it. Ever.
“I don’t need to budget. I just need to know what I spent today.”
— the insight behind Spendmemo
One plan. One price. No surprises.
We use Plaid, the same infrastructure used by Venmo, Robinhood, and thousands of other financial apps. Plaid connects directly to your bank — we never see or store your login credentials. All data is encrypted in transit and at rest.
We use your transaction data solely to generate your daily memo and improve your insights over time. Your data is encrypted, never sold, and never shared with third parties.
Spendmemo supports most major banks and credit cards in the US, including Chase, Amex, Bank of America, Capital One, Citi, Wells Fargo, and thousands more through Plaid’s network.
Yes. If you have authorized users on your cards (spouse, kids, employees), their purchases show up in your memo labeled with their name. One email, the whole picture.
$5/month. All your connected accounts are included — no per-account surcharge. Cancel anytime in one click.
A short email with yesterday’s total spend, a list of every purchase (merchant, amount, category), a weekly spending chart, and a few smart insights comparing your behavior to your own historical patterns. It takes about 15 seconds to read.
That’s all it takes.
Get your first memo →