BILL CHANGE
Netflix went up
$18.00$20.99
+$3 a month, caught on the Aug 4 charge. An event with a date, not a "trend". Raises land the same way.
Early access ยท opening soon
Your money's never been this easy.
- Every account in one net worth, including the house and the car.
- Learns your Rhythm and keeps you in Harmony. Nothing to set, nothing to break.
- Penny files every transaction from your history, your rules, and AI. You keep the last word.
- Power-user friendly: any CSV your bank will give you, and an API that reads anything the app can. CLI at launch.
NET WORTH ยท 30 DAYS
$184,209.41
โฒ +$2,1409 accounts
PENNY
Prepared 23 transactions for your review. Two I couldn't place, including a $340 charge at "SP MERCH CO".
Review the 2Accept the rest
Banks, cards, loans, brokerage
Every kind of account in one ledger, 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
File a merchant the same way three times and it proposes the rule.
An API with full parity
Anything the app can do, a script can do.
THE TOUR
The work a month actually asks of you
Pinch is built so most of that work takes a minute. What's left is the part worth looking at.
01 ยท REVIEW
Your whole register, cleared in a minute
New transactions arrive already filed, each with a suggestion and the reason: a rule you wrote, a merchant you've filed before, or Penny looking at the charge. 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
- File a merchant the same way three times and Pinch offers to write the rule
Register ยท 23 to review
Accept all of Tue 4- Trader Joe's #402RULE๐ฅ Groceriesโ$84.12
- SQ *BLUEBIRD COFFEEHISTORYโ Coffeeโ$6.40
- SP MERCH COPENNYno category, needs youโ$340.00
- Payment โ Chase SapphireTRANSFERmatched ยท Checking โ Sapphireโ$1,204.00
02 ยท NET WORTH
Net worth that includes the house and the car
Connect your banks, cards, brokerages and loans. Add the house, the car, and anything you can only value by hand. All of it 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 ยท 12 MONTHS
$184,209.41
1Y3YALL
- Cash & investments$146,320
- Property & assets$66,330
- Debtsโ$28,441
RHYTHM & HARMONY
The budget nobody had to write.
Every other budget is a rule you invented in January and broke by February. After that, the app's only job is telling you so. Pinch doesn't ask you to write one. It reads your ledger's own history for what a typical month looks like for you, category by category, and sets this month next to it: what came in, what was committed, what was discretionary, and what you kept.
- No slider, no envelope, no number you can set, so no budget you can break
- Measured against what's typical by today's date. The 3rd never reads calm; the 28th never reads alarmed.
- Findings wait on the page for you. Never a notification, a badge or an email.
August ยท month story
DAY 9 OF 31
$368kept so far
โผ $412 under your typical month
- Income1 PAYCHECK
- +$4,120
- CommittedRECURRING
- โ$2,290
- DiscretionaryEVERYTHING ELSE
- โ$1,462
The tick on each track is typical for this ledger by day 9, derived from your own history, not a target anyone set.
FINDINGS
Each kind of finding is treated differently.
TREND
Dining out is climbing
450 โ 530 โ 620
Three months agree, so it isn't noise. You hear about the habit while it's still small.
OUTLIER
Vasquez Auto Repair
$900.00vs $85 typical
Held out of what your typical learns, so a repair never becomes normal and next month never reads as a spending drop.
HARMONY
Tracking $412 over your typical month.
Dining out and one travel weekend account for nearly all of it. Committed spend is exactly where it usually is. No plan, no prescription, nothing to acknowledge.
Hand it to PennyWHERE THE GIVE IS ยท TYPICAL LEFT
- Groceries
- $212
- Household
- $140
- Transport
- $96
A month tracking its typical has no Harmony section at all. There is nothing here to dismiss, snooze, or explain yourself to.
03 ยท PENNY
Penny does the filing. You keep the last word.
Ask her anything about your money in ordinary language. She reads your ledger, not the internet. She can also do the work: categorize a backlog, map a messy CSV, or add the category you're missing. 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
PennyHousehold ledger
Did we spend more on eating out this summer than last?
Yes. $1,412 across Jun to Aug, up 18% from $1,197 last year. Most of the gap is two restaurant weekends in July.
Jun $487.20 + Jul $612.55 + Aug $312.41
Those two Deliveroo charges are actually groceries. Fix them and remember it.
APPROVAL NEEDED
- Recategorize 2 transactions
- Restaurants โ Groceries
- Create rule
- payee contains DELIVEROO โ Groceries
- Apply to existing
- unreviewed only
ApproveNot this time
04 ยท 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 stopped charging you. You can rename a series or dismiss one you don't care about. After that, there is nothing to maintain.
August ยท recurring
$3,284 expected
- Rent โ Whitfield PropertiesPAID AUG 1โ$2,150
- Sapphire minimumDUE AUG 12โ$180
- Paycheck โ Nordvik LabsBIWEEKLY+$4,120
- Cloudkeep StorageLAPSEDโ$9.99
Detected from your history. Nothing to set up by hand.
05 ยท 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
statement-2026-07.csv412 rows ยท mapping confirmed
- Col Aโ Date
- Col Bโ Description
- Col Cโ Amount
- Col Dโ ignored
- 07/14WHOLEFDS MKT 10283โ$62.18
- 07/15SHELL OIL 5741โ$48.02
- 07/15SHELL OIL 5741DUPLICATE ยท skippedโ$48.02
Commit 411 rows1 duplicate skipped ยท undoable
LEDGERS & FAMILIES
A ledger for each part of your life
A ledger is the thing Pinch shares. Accounts, transactions, categories and rules belong to the ledger, not to you, so you can keep as many as your life needs and invite the people who belong in each one. Switch between them like tabs. Net worth, review, Rhythm and Penny all follow the ledger you're in.
- Invite by email, one ledger at a time
- Keep an individual account out of a ledger you share
- Leave a family and your own ledgers are untouched
LEDGERS
- Household9 ACCOUNTS ยท 2 MEMBERS
- Nordvik LLC4 ACCOUNTS ยท JUST YOU
- Mum & Dad5 ACCOUNTS ยท 3 MEMBERS
HOUSEHOLD ยท MEMBERS
- Alex ReyesOWNER ยท YOU
- Sam ReyesMEMBER
- dad@example.comINVITED
The Sapphire card is kept out of this ledger. Visibility is per account, not all-or-nothing.
MUM & DAD
Look after your parents' money without becoming their password manager
Their accounts live in a ledger you keep, and they can open the picture any time. No shared login, no forwarded statements, no monthly phone call to ask how it's going.
HOUSEHOLD
Two people, one net worth
One ledger holding both your accounts, and the same month story in front of both of you, instead of a spreadsheet one of you maintains and the other never opens.
NORDVIK LLC
The business, kept clean of your life
A separate ledger with its own accounts, categories and rules. Same login, never mixed into your household's numbers.
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, or 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. This is what it will look like at launch.
Read the power-user tourpip install pinch-cli ยท at launch
PINCH CLI ยท PLANNED FOR LAUNCH
$ pinch networth
$184,209.41 โฒ +2,140 (30d)
$ pinch tx list --unreviewed --json | jq length
23
$ pinch import statement.csv --profile chase --auto-file
committed 411 rows ยท 1 duplicate skipped
$ pinch penny "biggest category last month?"
Groceries: $842.19 across 31 transactions.
$
PRICING
Three plans. No upsells inside one.
Pinch is paid because it doesn't sell your data or your attention. Pick the plan with the assistant, the one without, or the one that covers the whole house.
Pinch
The full tracker, filed by hand.
Pricing at launchBilled monthly
- Unlimited connected accounts
- Net worth, balance history, holdings
- Register review, rules, splits, transfers
- Recurring detection & loan payoff
- CSV imports with saved mappings
- Full API & CLI access
- No Penny
WITH PENNY
Pinch + Penny
Everything, and the assistant that does the tedium.
Pricing at launchBilled monthly
- 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
5 LEDGERS ยท 5 PEOPLE
Pinch Family
Everything above, for the whole household.
Pricing at launchBilled monthly
- Everything in Pinch + Penny
- Up to five ledgers and five family members
- Share a ledger you own with the people who belong in it
- Keep an individual account out of a ledger you share
- Personal, business and your parents', kept properly apart
FAQ
Fair questions
Something missing? Ask when you get your invite. We answer every reply.
No. It won't hand you a budget to write. A budget you author is a guess, and reality usually diverges from it within a week. After that the app mostly nags you about a rule you invented. Pinch derives the same answers from your own history instead: what a typical month looks like for you, how this one is tracking, and what changed. That's Rhythm. There is nothing in it to maintain.
Not in Rhythm, on purpose. No number in it is set, adjusted, or pinned by you, which is why it can't be broken, go stale, or become a chore. A goal is a different idea (can I afford this by June?) โ a destination you author, measured against your real trajectory rather than an envelope you invented. Where that belongs in Pinch, we haven't settled yet. We'd rather take the time to design something worth having than bolt a target onto Rhythm and lose the thing that makes it work.
That's what ledgers are for. Your accounts and transactions belong to a ledger rather than directly to you, so a ledger can have members: invite by email, and keep an individual account out of a ledger you share. Sharing arrives after launch. Everything you connect before then is already in a ledger, ready for it.
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. 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: you pick one when you connect, and Pinch tells you what each can deliver for your bank.
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 review, rules, recurring and the rest all work on them. Only live holdings and investment activity need a connection.
Disconnecting severs the sync, not 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 this time. Pinch has real per-user costs (aggregation and AI) and no ad business, so the near-term focus is paid premium features. A free tier isn't outside the realm of possibility later, but we won't promise one we haven't costed. 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 an invite when it's your turn.