# Hunch

> Personal finance app for any bank in Canada and the US. Securely connect banks and brokerages through Plaid (read-only, bank-grade security) for budgeting, net worth, investing, crypto, cash-flow forecasting, and an AI assistant that knows your numbers. Free forever tier available; paid Plus/Pro tiers add investments, more AI, and portfolio tools. A free alternative to Mint, YNAB, and Monarch Money.

- Marketing site: https://hunch.money
- Web app (sign up free): https://app.hunch.money
- Fuller feature descriptions: https://hunch.money/llms-full.txt

## Key facts

- Personal finance app for any bank in Canada and the US. A free alternative to Mint, YNAB, and Monarch Money.
- Connects to banks and brokerages via Plaid with read-only access — Hunch never sees your bank password and can never move money.
- Free forever tier (ad-supported); paid Plus and Pro tiers add investments, more AI, and portfolio tools. A low-cost household add-on shares any paid plan with a partner or family member.
- Currently in public beta; improvements ship every week.
- Sensitive data is encrypted per-account and isolated to your account at the database level (row-level security). Your financial data is never sold, never shared with advertisers, and never used to train AI models.
- Your data is always yours: export the full transaction history in seven formats, or delete your account (which disconnects your bank) at any time.
- AI features are opt-in and scoped — you choose exactly what the assistant can read.

## Product pages

- [Home](https://hunch.money/)
- [Pricing](https://hunch.money/pricing) — Free tier plus Plus/Pro paid tiers; see for exact pricing and feature comparison
- [Free budgeting app](https://hunch.money/free-budgeting-app) — Free forever, no trial timer, no credit card
- [AI assistant](https://hunch.money/ai)
- [Budgeting](https://hunch.money/budgeting)
- [Investment tracking](https://hunch.money/investments)
- [Crypto tracking](https://hunch.money/crypto) — Self-custody wallets across six chains, read-only via public address
- [Households (shared finances)](https://hunch.money/households)
- [Data export](https://hunch.money/export) — QuickBooks, YNAB, Monarch, Mint, Xero, Wave, or CSV
- [Retirement planner](https://hunch.money/retirement) — Canada-focused today; US planning coming soon
- [Security practices](https://hunch.money/security)
- [How bank connections work](https://hunch.money/how-sync-works)
- [About Hunch](https://hunch.money/about)

## AI assistant

Hunch has an AI assistant that answers plain-language questions about your money and renders interactive charts inline. Every number comes from a tool that computes against your actual data and the live market — it never fabricates figures. It is opt-in and scoped: you switch on only the data (spending, transactions, investments, net worth) it can read. It can also categorize transactions, map imported statements, and (once enabled) take actions like setting budgets or creating rules. Free includes a small monthly allowance; Plus adds more requests plus AI categorization and proactive weekly suggestions; Pro is unlimited with model choice (GPT-5 / Claude). You can also bring your own OpenAI or Anthropic API key.

## Pricing tiers

_See the pricing page for current amounts — prices are not hard-coded here._

- **Free** — Budgeting, spending insights, budgets/goals/net worth, 30-day cash-flow forecast, CSV import, bank sync via Plaid, and a small monthly AI allowance. Ad-supported. Free forever, no credit card.
- **Plus** — Everything in Free, no ads, more monthly AI, AI categorization and "Ask your money", weekly proactive suggestions, investment breakdown & portfolio, and the mortgage planner.
- **Pro** — Everything in Plus, unlimited AI, multiple AI model choices (GPT-5 / Claude), investment news digest, and early access to new features.
- **Household add-on** — Add a partner or household member to any paid plan for shared budgets, goals, and a combined view.

## Security & privacy

Bank access is read-only through Plaid — Hunch never receives your bank credentials and can never move funds. Sensitive fields (merchant names, account names, notes) are encrypted with a key unique to your account, and the token linking your bank is sealed separately. Every record is walled off to your account at the database level, so one person's data can never reach another's. Hunch makes money from subscriptions, not from data: your information is never sold, never shared with advertisers, and never used to train AI models. Export everything or delete your account (which revokes bank access) at any time. Details: https://hunch.money/security and https://hunch.money/how-sync-works

## Free calculators (no signup required)

All calculators: https://hunch.money/tools

- [mortgage](https://hunch.money/tools/mortgage) — Payment, amortization schedule, and prepay-vs-invest comparison. Canadian semi-annual compounding.
- [affordability](https://hunch.money/tools/affordability) — Maximum home price based on income, debt, and down payment (US lending ratios).
- [rent-vs-buy](https://hunch.money/tools/rent-vs-buy) — Compare projected net worth from renting and investing vs. buying a home.
- [car-loan](https://hunch.money/tools/car-loan) — Monthly payment and total interest on an auto loan.
- [debt-payoff](https://hunch.money/tools/debt-payoff) — Months to debt-free on a credit card or loan, and how extra payments shorten it.
- [compound-growth](https://hunch.money/tools/compound-growth) — Project how a starting balance plus monthly contributions grows at a given annual return.
- [savings-rate](https://hunch.money/tools/savings-rate) — Savings rate as a percentage of income, and time to reach a savings target.
- [net-worth](https://hunch.money/tools/net-worth) — Add up assets and liabilities for a full net worth picture.
- [budget](https://hunch.money/tools/budget) — Check spending against the classic 50% needs / 30% wants / 20% savings split.
- [fire](https://hunch.money/tools/fire) — FIRE number (financial independence), years to FIRE, and Coast FIRE crossover.
- [retirement](https://hunch.money/tools/retirement) — Retirement projection for Canada (CPP/OAS/RRSP/TFSA) or the US (Social Security/401(k)/IRA).
- [rrsp](https://hunch.money/tools/rrsp) — Estimated tax refund from an RRSP contribution, and remaining contribution room. Canada only.
- [tfsa](https://hunch.money/tools/tfsa) — Lifetime TFSA contribution room based on birth year and contribution history. Canada only.
- [income-splitting](https://hunch.money/tools/income-splitting) — Pension income split between spouses that minimizes combined household tax. Canada only.
- [income-tax](https://hunch.money/tools/income-tax) — Take-home pay calculator for every Canadian province/territory and US state (64 regions).

## Switching from another app

Hunch is a free alternative to Mint, YNAB, and Monarch Money. Export from Hunch (available on every plan, free and paid) supports QuickBooks Online (.qbo), QuickBooks Desktop (.iif), YNAB, Monarch Money, Mint, Xero, Wave, and plain CSV — so there is no lock-in. See https://hunch.money/export

## Legal

- [Privacy policy](https://hunch.money/privacy)
- [Terms of use](https://hunch.money/terms)