Take full control of your money — effortlessly

Smart Work tracks every expense, builds budgets that actually fit your life, and shows you exactly what to do next to reach your goals.

Get Started Now See How It Works
Bank-level encryption
Read-only bank connections
Cancel anytime
Total balance
$8,942.30
+12.4% this month
Emergency fund
$3,200 of $5,000
Trip to Japan
$1,850 of $4,000
Auto-synced
All accounts up to date
Budget on track
Groceries: 68% used
Features

Everything you need to manage your money

One place to track, plan, and grow — no spreadsheets required.

Expense tracking

Every purchase is captured and categorized automatically, so you always know where your money goes.

Smart budgeting

Build budgets that adapt to your habits, with gentle nudges before you overspend, not after.

Goal setting & milestones

Set a target, break it into milestones, and watch your progress update automatically as you save.

Real-time insights

Clear, plain-language breakdowns of your spending trends — no charts to decode, just answers.

Bank-grade security

256-bit encryption and read-only bank connections keep your data private and your accounts safe.

Multi-device sync

Start on your phone, finish on your laptop. Your data stays current across every device you use.

How it works

Set up once, stay on track for good

Three steps between you and a clearer financial picture.

01

Sign up

Create your account in under two minutes — no paperwork, no waiting period.

02

Connect & track

Link your accounts securely and Smart Work starts organizing your transactions right away.

03

Achieve your goals

Follow your personalized plan and watch your savings and habits improve month over month.

Why Smart Work

Built for people who are done guessing

Most budgeting tools show you the past. Smart Work tells you what to do next — so good decisions become the default, not extra effort.

  • No manual entry Transactions are categorized automatically, in seconds.
  • Budgets that flex with you Categories adjust as your spending patterns change.
  • Alerts before it's a problem Get notified when you're close to a limit, not after.
  • One view for every account Checking, savings, and cards — all in a single dashboard.
Spending by category — this month
Housing
$1,240
Groceries
$412
Transport
$186
Dining out
$268
Savings
$620
What to expect

What using Smart Work looks like day to day

Your transactions are imported and categorized automatically, so you can see where your money went without opening a spreadsheet.

Savings goals show live progress as you set money aside, so you can track milestones like an emergency fund or a trip.

Budgets are broken down by category, with a notification when you're approaching a limit — before it becomes a surprise.

Pricing

Plans that grow with your goals

Start free, upgrade whenever you're ready for more.

Full Access

Smart Work

Everything you need to track, budget, and reach your goals.

$18
per month
  • Unlimited connected accounts
  • Smart budgeting & alerts
  • Real-time insights
  • Unlimited savings goals
  • Shared household budgets
  • Priority support
Get Started Now
FAQ

Questions people ask before starting

Yes. All connections use 256-bit encryption and read-only access, meaning Smart Work can view your transactions but never move money or make changes to your accounts.
Smart Work supports thousands of banks and credit unions. If your institution isn't listed at sign-up, you can add transactions manually while support is added.
Absolutely. There are no contracts or cancellation fees — you can downgrade or cancel from your account settings at any time.
No. Once your accounts are connected, transactions are imported and categorized automatically. Manual entry is only there as a backup option.
Yes, the Starter plan is free and includes core expense tracking and one savings goal, so you can try Smart Work with no commitment.
On the Premium plan, you can invite a partner or family member to a shared household budget so you can track goals together.

Your finances, finally organized

Stop guessing where your money goes — it takes less than two minutes to set up your first budget.

Get Started Now