• Every account in one place. Banks and brokerages connect through Lunchflow. Foreign payments are converted at the rate on the day, refunds are matched to the purchase they reverse, and transfers between your own accounts cancel out.
• Categories you control. Plain keyword rules, not a black box — and, if you enable it, an AI review of the transactions those rules did not match: it names each one and proposes the rule that would catch it next time, showing exactly what the rule matches before you accept it. It runs on your own OpenAI key, or not at all.
• Nobody else's business. No ads, and no third-party analytics or tracking of any kind — every page loads from this domain alone. What is counted is anonymous and says so on the privacy page. Access is read-only, so it can never move money, and you can export or delete everything at any time.

Then setup takes about five minutes and one API key of your own: Lunchflow, for the bank connection (paid, with a free trial). An OpenAI key is optional and only powers the review (billed to you, roughly a penny per transaction reviewed — and you choose how much to review, or none at all). How it works →

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