Monavio
Builds a budget, net worth and FI dashboard from uploaded bank statements, no bank login.
Monavio builds a full personal-finance dashboard — spending categories, cash flow, budgets, investments and net worth — from a bank statement you upload, rather than a live bank login or Plaid-style connection. AI extracts and categorizes transactions within a few minutes, and the financial-independence projection runs Monte Carlo ranges off your real spending and savings rate instead of a generic calculator. Data is AES-256 encrypted and, per the site, never leaves the platform. The trial is 14 days, no credit card required.
What holds up
- +No bank login required — works by statement upload where Plaid-style connections fail
- +FI projection uses Monte Carlo confidence bands on your real data, not a generic calculator
- +14-day free trial needs no credit card to start
Mind the limits
- −No live bank sync — each new statement has to be uploaded manually to stay current
- −No pricing shown beyond the trial — you need to sign up to see what it costs after
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