Plaid does
the heavy lifting.
One-time connection through Plaid's secure OAuth. Transactions land in LazeeFish in real time. Disconnect anytime — your data stays with you.
- ✓12,000+ supported banks across the US, UK and Canada — including credit unions and most challenger banks.
- ✓Read-only access. We can see your transactions; we cannot move money. Ever.
- ✓Real-time sync. New transactions appear within minutes of clearing your bank.
- ✓Multi-currency. Mix USD, GBP, EUR — converted at daily mid-market rates.
Pick your bank.
Set rules once.
Forget forever.
Tell LazeeFish "Whole Foods → Groceries" once. Every future transaction lands in the right envelope. The rule editor is a regex engine in plain English.
- ✓Smart matching. Match by merchant, amount range, account, or any combination.
- ✓Splits across envelopes. Costco run? 70% Groceries, 30% Household — automatically.
- ✓Retroactive apply. A new rule rewrites history if you want it to.
- ✓Confidence scoring. Borderline matches get flagged for one-tap review.
Charts that
actually answer.
Net worth, monthly trends, envelope-by-envelope spend, year-over-year. Built to answer the question you actually have, not look pretty in a screenshot.
- ✓Net worth over time. Assets minus liabilities, daily granularity.
- ✓Cash flow. See income vs. spend in any window.
- ✓Envelope drill-down. Tap any category to see what's in it.
- ✓Annual review. Auto-generated end-of-year summary you can share with your accountant.
Tag it
your way.
Envelopes are the structure. Tags are the freedom. By person, by trip, by project — any cut you want, any time. Stack as many as you like; LazeeFish keeps up.
- ✓Multiple tags per transaction. One coffee can be #date-night and #italy-trip.
- ✓Filter by tag. "Show me everything tagged #freelance from Q3" — instantly.
- ✓Tag-based reports. Trip totals, project budgets, tax-deductible totals.
- ✓Bulk tagging. Tag 47 things in one click. The lazy way.
Two logins.
One budget.
Free forever.
Invite your partner with a single link. Set each envelope as Shared, Read-only, or Private. Real-time balances for both of you — no per-user fees, no upgrade required.
- ✓Shared envelopes. Both partners can add transactions, adjust allocations, and see balances in real time.
- ✓Read-only envelopes. Your partner can see but not touch. Good for accounts you manage solo.
- ✓Private envelopes. Completely invisible to anyone else. Gifts, surprises, personal money.
- ✓No per-user fee. YNAB charges $109/yr. Monarch $99.99/yr. LazeeFish: free for as many household members as you want.
Your bills,
tracked automatically.
Set up a bill template once — name, amount, due date, cadence — and LazeeFish tracks every occurrence as Expected, Fulfilled, or Skipped. When Plaid imports a matching transaction, the bill fulfills itself. No check-ins required.
LazeeFish can also scan 8 months of transaction history to auto-detect recurring patterns you haven't named yet — subscriptions, utilities, loan payments — and suggest templates to confirm with a single click.
Learn more about recurring bills →Every debt,
its own envelope.
Mortgage, car loan, student loan, credit card — each one gets a dedicated envelope with a live outstanding balance. When a payment posts via Plaid, LazeeFish auto-splits it into principal paydown and interest charge. No manual math required.
Snowball and avalanche projections update in real time, showing your exact payoff date for every debt and the total interest you'll save by switching strategies.
Learn more about the Debt Tracker →The little things
that add up.
CSV import & export
Import from any bank CSV — column mapping, preview, one-click confirm. Export anytime. Your data, your format.
Subscription tracker
Auto-detect every recurring charge. See total monthly cost. Spot cancel candidates. See feature →
Drift alerts
"Dining out is at 92% on the 18th." Quiet, weekly.
Mobile app
iOS + Android. Same product, smaller screen.
Joint budgets
Invite a partner in one click. Shared, read-only, or private envelopes. See feature →
Dark mode
Because looking at money at night should be gentle.
Savings goals
Set a target, track progress, celebrate the hit. See feature →
Debt tracker
Auto-split principal & interest. Live snowball/avalanche projections. See feature →