Know exactly where every dollar goes

AI categorizes every charge, flags every spike, and answers any question about your spending. No spreadsheets, no pie charts.

You shouldn't have to tag your own transactions

AI reads every charge from every account and categorizes it for you. Override once and the rule sticks forever. You get trends, merchant totals, and a full history that updates on its own.

See your spending
Expenses screen with spending-this-month line chart and spending-over-time trend

Every dollar, sliced three ways

By merchant, by category, by month. Search anything, going back as far as your accounts allow.

Get Started

Ask your spending anything

"How much at Amazon last month?" "Why did restaurants spike last quarter?" "What am I overspending on this week?" AI answers with real numbers.

Try it free
How much did I spend at Amazon last month?

Last month at Amazon: $427.42 across 11 orders.

That's up 35% from your rolling 3-month average of $316.

Breakdown

  • $189.30: household essentials (paper goods, detergent)
  • $142.12: a monitor and USB-C dock (one-time)
  • $96.00: three separate book orders

Want me to pull year-to-date Amazon totals or compare to the same month last year?

Show me my full Amazon history
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What AI spots that you'd miss

Merchant-level totals How much at Amazon this month, this year, since day one. Same for any merchant you've ever paid.

Expenses screen

Anomaly alerts A new merchant, an unusually large charge, or a duplicate. Flagged before you notice.

Notifications screen

Full search By merchant, category, amount, or date. Every dollar findable in a second.

Transactions screen

Cash flow you can see coming Money in vs money out, so you know the pressure points before payday.

Cash flow screen

Meet Carmen.
Built for this.

Carmen Raising a family

Run household cash flow with kids in the picture. Tight months, joint decisions, and a plan that fits real life.

Mindset

Stability beats optimization. A budget is a tool you use, not a cage you live in.

Decision logic

Protect the essentials first: housing, food, utilities, kids. Everything else comes after.

Communication Style

Calm and practical. Stays out of partner dynamics. Just the numbers.

Action bias

One coordinated household step per week. Flag auto-renewals before they hit: insurance, subscriptions, open enrollment.

Real feedback. See what people say

-60% DoorDash

Asked AI where I was overspending. It pointed straight at DoorDash. Cut it and now I keep $280 more a month.

Mike Rodriguez

Mike Rodriguez

Software Engineer

Caught the spike

I wondered why March spending jumped. Money by Checkr showed me a $412 spike at Amazon, a monitor I had forgotten about. Solved in 10 seconds.

Jennifer Park

Jennifer Park

Product Manager

Hours saved

I used to spend Saturdays tagging transactions. Now Money by Checkr does it for me, and it is actually accurate.

Sarah Thompson

Sarah Thompson

Teacher

Financial intelligence for less than two coffees a month

Money by Checkr Free

Everything you need to get started.

What you get

  • Up to 5 bank & payroll accounts
  • Credit score & history
  • AI money guides & chat
  • Smart alerts & signals
  • Refresh anytime
  • Weekly & monthly reviews

Money by Checkr Pro

Your complete financial picture.

Early bird · 50% off

$4.99 / month

Billed annually at $59.88

What you get

  • Unlimited bank & payroll accounts
  • Export transactions to CSV
  • API access
  • CLI access
  • MCP access
  • Priority support

Questions & Answers

AI reads every transaction and categorizes it automatically. You can override any time, and it learns from your changes.

Yes. Every merchant totaled. How much at Amazon, Uber, Whole Foods, this month, last month, all time.

Yes. Every transaction is searchable by merchant, category, amount, or date, going back as far as your accounts allow.

Anything. "How much did I spend on food?" "How does this month compare to last?" "What subscriptions am I paying for?" It uses your real data.

No. You don't have to set budgets or targets. AI spots where your money is actually going and flags what needs attention.

Yes. Bank-level encryption. Read-only access. AI can see your spending but cannot move money, ever.

Make AI worry about your finances

Know what you're owed. Keep what you earn. See your net worth grow