Secured by industry-leading infrastructure
How MyFi handles your data
We don't store your financial data. It stays on your device.
Retrieved via Plaid
Your financial data is securely retrieved through Plaid, the same service used by major banks and finance apps.
Securely routed
Our servers handle secure request routing only — we don't store your financial data at any point.
Sent to your device
Data is sent directly to your device where it's stored locally. We don't keep a copy.
You're in control
You can revoke access at any time. Your data, your rules.
MyFi uses Plaid to securely connect your accounts. Plaid may process your data according to their own privacy policy.
What we don't do
Why put all your cards in one place?
Having a single view of every credit card transaction saves you time and money.
Spot duplicate charges
See transactions from every card side by side. Double charges and accidental duplicates jump right out when everything is in one place.
Know where your money goes
Transactions are auto-categorized — dining, travel, subscriptions, and more. Get a clear picture of your spending habits across all your cards.
Catch forgotten subscriptions
That free trial you forgot to cancel? That streaming service you never use? Surface recurring charges you didn't know you were still paying for.
One login, every card
No more juggling three bank apps and remembering three passwords. Log in once and browse transactions from Chase, Amex, your credit union — all in a single feed.
Monitor for unauthorized charges
The sooner you spot a charge you didn't make, the faster you can dispute it. Having all your cards in one view makes fraud harder to miss.
Simplify tax time
Need to find every business expense across all your cards? Search and filter transactions in seconds instead of digging through separate statements.
Everything you expect from a budgeting app
Without giving up your data.
Track your investments
Build watchlists, monitor stock prices, read market news — all in one place alongside your spending.
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How MyFi compares
Other apps ask for your trust. MyFi is built so you don't have to.
| Feature | MyFi | Monarch |
|---|---|---|
| Stores your financial data | ||
| Can access your data | ||
| Uses anonymized data | ||
| Local-first architecture | ||
| Pay-as-you-go option |
They rely on trust-based privacy. We rely on architecture-based privacy.
How it works
Three simple steps to a clear view of all your finances.
Pay as you go
Load your balance
Add as little as $5 in credits to your account. No recurring charges, no surprise renewals — just a one-time top-up that lasts as long as you need it.
Sync on your schedule
Pull your latest transactions whenever you want — once a week, once a month, whatever fits your routine. Each sync costs just 10¢, deducted from your balance.
Keep more of your money
Other apps charge $10–$15/month — up to $180/year. With MyFi, a $5 top-up can last months. You only pay for the data you actually use.
Or subscribe
Skip the balance — get unlimited syncs for $12.00/mo
Connect as many banks as you want and sync as often as you like. Cancel anytime.
You control the cost
Pay only for the syncs you use, or subscribe for unlimited access at a flat monthly rate. You pick what works for you.
Pay as you go
Subscription
Single bank
1 bank · sync 1 day a month
$0.50/mo
~$6/year
Minimal
3 banks · sync 1 day a month
$1.50/mo
~$18/year
Light use
3 banks · sync 4 days a month
$2.40/mo
~$29/year
Heavy use
3 banks · sync every day
$10.20/mo
~$122/year
Subscription
Unlimited
Unlimited banks & syncs
$12.00/mo
Cancel anytime
Your transactions as CSV files
Every transaction you sync is automatically saved as clean, portable CSV files — organized by year and month so you can find exactly what you need.
Use them anywhere
CSV is the universal format. Open your transactions in Excel, Google Sheets, Numbers, or any budgeting tool you already use. No lock-in, no proprietary formats.
Build your own reports
Create pivot tables, run custom formulas, or build charts tailored to your needs. Your data, your analysis — no limitations from a pre-built dashboard.
Tax-ready records
Hand your accountant clean, organized files sorted by month. Or import them directly into tax software — no manual data entry needed.
Always accessible
Files are stored right on your device. Access them offline, back them up however you want, or archive years of transaction history without paying for cloud storage.
Your concerns, addressed
Trusting an app with your financial accounts is a big decision. Here are straight answers to the questions that matter most.
Can MyFi move my money?
No. MyFi uses read-only access through Plaid. We can view your transactions but can never initiate transfers, payments, or any changes to your accounts.
Who can see my financial data?
Only you. Your transaction data is stored on your device. Our servers handle secure routing during sync — we don't store, read, or analyze your financial information. Plaid retrieves your data from your bank and may process it according to their own privacy policy.
What if I want to stop using MyFi?
Just stop. On pay-as-you-go, your prepaid balance stays available whenever you return. If you’re subscribed, cancel anytime with one click — no contracts, no cancellation fees.