Early access · opening soon
Your money, minus the busywork.
Pinch tracks your net worth across every account, and Penny — its built-in assistant — files your transactions, imports your CSVs, and answers the questions your bank app can't. You review; she does the tedium.
NET WORTH
$184,209.41
Filed 23 transactions while you were away. Two need a look — a $340 charge at “SP MERCH CO” I couldn't place.
Banks, cards, loans, brokerage
One ledger, every account kind — including the house and the car.
Nothing files itself in secret
Every suggestion shows its reasoning, and waits for you.
Learns your filing, not a template
Correct it once; it proposes a rule the second time.
An API with full parity
Anything the app can do, a script can do.
THE TOUR
A tracker that keeps up with real life
Five things you do every month. Pinch is built so four of them take a minute and the fifth is interesting.
01 · REVIEW
An inbox for your money, cleared in a minute
New transactions arrive pre-filed with a suggestion and the reason behind it — a rule you wrote, a merchant you've filed before, or Penny's read. Accept a whole day at once, or fix the one that's wrong.
- Split a Costco run across groceries and home
- Transfers detected and matched to their other side
- Correct twice and Pinch offers to write the rule
Inbox · 23 to review
Accept all of Tue 4- Trader Joe's #402RULE🥑 Groceries−$84.12
- SQ *BLUEBIRD COFFEEHISTORY☕ Coffee−$6.40
- SP MERCH COPENNYno category — needs you−$340.00
- Payment — Chase SapphireTRANSFERmatched · Checking ↔ Sapphire−$1,204.00
02 · NET WORTH
The whole picture, not just the checking account
Connect your banks, cards, brokerages and loans; add the house, the car, and the thing you can only value by hand. Everything that holds value counts, and Pinch keeps the history so you can see the line move.
- Holdings and investment activity from your brokerage
- Loan payoff projections: your pace vs. the minimum
- Disconnect a bank and the history stays yours
NET WORTH · 12 MONTHS
$184,209.41
- Cash & investments$146,320
- Property & assets$66,330
- Debts−$28,441
03 · PENNY
Penny does the filing. You keep the last word.
Ask her anything about your money in plain language — she reads your ledger, not the internet. She can also do the work: categorize a backlog, map a messy CSV, tidy up a taxonomy. Every change she wants to make is shown to you first and needs your yes.
- Reads only your ledger — answers cite your transactions
- Writes require your explicit approval, every time
- Conversations persist across your devices
Did we spend more on eating out this summer than last?
Yes — $1,412 across Jun–Aug, up 18% from $1,197 last year. Most of the gap is two restaurant weekends in July.
based on 68 transactions · Restaurants, Coffee
Those two Deliveroo charges are actually groceries. Fix them and remember it.
APPROVAL NEEDED
- Recategorize 2 transactions
- Restaurants → Groceries
- Create rule
- payee contains DELIVEROO → Groceries
- Apply to existing
- unreviewed only
04 · RECURRING
Bills, subscriptions and paychecks, found for you
Pinch reads the rhythm in your history and builds the month's calendar itself: what's paid, what's due, what quietly stopped charging you. Rename a series, dismiss one you don't care about — that's the whole maintenance.
August · recurring
$3,284 expected
- Rent — Whitfield PropertiesPAID AUG 1−$2,150
- Sapphire minimumDUE AUG 12−$180
- Paycheck — Nordvik LabsBIWEEKLY+$4,120
- Cloudkeep StorageLAPSED−$9.99
Detected from your history — nothing to set up by hand.
05 · IMPORTS
Any CSV your bank will give you
Drop the file in; Penny works out which column is which and you confirm. Duplicates are flagged before anything lands, the whole batch is undoable as one, and the next file from the same bank maps itself.
- Nothing touches your ledger until you commit
- Backfill years of history in one pass
- Col A→ Date
- Col B→ Description
- Col C→ Amount
- Col D→ ignored
- 07/14WHOLEFDS MKT 10283−$62.18
- 07/15SHELL OIL 5741−$48.02
- 07/15SHELL OIL 5741DUPLICATE · skipped−$48.02
FOR POWER USERS
Your ledger has an API — and a command line at launch.
Everything the app does, the API does — same endpoints, no private back doors, scoped access tokens you issue yourself. Pipe your net worth into a spreadsheet, script your imports, put a balance in your terminal prompt. Even Penny is just an API client.
Pinch will ship with a pinch CLI over that same API. Here's what it will look like at launch.
PRICING
One price. No upsells inside.
Pinch is paid because it doesn't sell your data or your attention. Pick the plan with the assistant, or the one without.
Pinch
The full tracker, filed by hand.
- Unlimited connected accounts
- Net worth, balance history, holdings
- Inbox review, rules, splits, transfers
- Recurring detection & loan payoff
- CSV imports with saved mappings
- Full API & CLI access
- No Penny
Pinch + Penny
Everything, and the assistant that does the tedium.
- Everything in Pinch
- Penny chat over your whole ledger
- AI categorization on every transaction
- Suggested CSV column mapping
- Rule suggestions from your own filings
- Approve-before-write on every change
FAQ
Fair questions
Something missing? Ask when you get your invite — we answer every reply.
No. Pinch is a tracker, not a budget cop. It tells you what's true — where your money is, what came in, what went out, what it's on pace to do — and doesn't nag you about a spending envelope you set in January.
She proposes a category for every incoming transaction and shows why, figures out the columns in a CSV you upload, and answers questions about your own ledger. When she wants to change something — recategorize a batch, write a rule — she asks first and you approve or decline in the conversation.
No. Reading is free; every write is a proposal you have to approve in the moment. An approval you ignore expires — she asks again next time rather than queueing up changes behind your back.
Pinch connects through established aggregation providers, so your bank credentials go to them, never to us. Some institutions are only reachable through one provider, so Pinch supports several and picks up whichever your bank supports.
Keep it as a manual account: enter balances yourself, or import the CSV your bank exports. Manual accounts count toward net worth exactly like connected ones, and every feature works on them.
Disconnecting severs the sync, never the data — those accounts become manual accounts with their full history intact. Your ledger is exportable at any time, in bulk, through the same API the app uses.
Not at launch. Pinch has real per-user costs (aggregation and AI) and no ad business, so it's paid. The waitlist is free, and we'll publish pricing before launch.
Get your invite when Pinch opens
We're letting people in a batch at a time so the imports and the assistant hold up. Leave your email and we'll send one when it's your turn.