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 US banks via Plaid — 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.
- ✓Recurring auto-detect. Patterns become bills automatically — no manual flagging.
Pick your bank.
AI that learns.
Then does the work.
LazeeFish watches how you categorize transactions, builds confidence for each merchant, and starts handling them automatically — no rules required. Tell it "Whole Foods → Groceries" once and it never asks again. Most users end up reviewing fewer than 5% of their transactions.
- ✓Learns from history. Categorize a merchant a few times and LazeeFish starts doing it automatically — no rule needed.
- ✓Smart rules for hard cases. Match by merchant, amount range, or account. Set to auto-post, ask me, or skip.
- ✓Retroactive apply. A new rule or updated merchant default rewrites history with a one-click preview.
- ✓Wallet & transfer dedup. Venmo duplicates, credit-card payments, cross-account transfers — all detected and handled automatically.
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.
- ✓Tag & entity reports. Slice by merchant, tag, or transaction type.
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.
No credit card.
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: $5/month, no per-user fee no matter how many household members you add.
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 →
Smart paycheck splits
Allocate by % of gross, % of net, or flat dollar — whichever way your paycheck math actually works. Runs on every payday.
Goal-aware automation
Skip envelopes whose savings target is already met. Your monthly budget redirects automatically as goals fill up.
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 →
Tag management
Merge duplicate tags, bulk-rename, and clean up unused ones. Keep your taxonomy tidy without the busywork.