Two plans, both honest · From $5/mo
Personal finance, no bank login required.
Drag in a CSV from any US bank. Envelope budgeting, net worth, investments, and a monthly review — all on data you control. Built by someone who got tired of finance tools that sell what they see.
Plus is free for 30 days. No credit card required. Privacy plan from $5/mo. Cancel any time.
Net worth — last 24 months
May 2026
$187,432
Demo data+$9,632(+5.4%)· last 24 months
Hover the chart to scrub through history.
What we don't ask for
What we don't ask for
We don't need your bank login.
Drag in a CSV. Arden figures out the columns, the dates, the sign convention.
We don't sell ads.
You pay us. Advertisers don’t. Your transaction history doesn’t target you with credit-card offers.
We don't trade your data.
No data brokers. No lender pipelines. No behavioral profiling on the page where your account balance lives.
How it actually works
A spreadsheet in. A budget out.
Most apps make you hand over your bank credentials at step one. Arden starts with a file. Drop in a statement from Chase, Capital One, Navy Federal, or your local credit union — Arden detects the columns, normalizes the dates, and learns your categorization the first time you tag a payee.
Plaid bank sync is included on the Plus plan as an option, never a requirement.
Read the full import walkthroughThe complete picture
YNAB users open Empower for net worth. Empower users open a spreadsheet to budget. Arden replaces both — on the same data.
- Envelope budgeting
- Net worth across 19 asset classes
- Investments with live prices
- Scheduled transactions + forecasting
From the founder
The privacy thing isn't a marketing position — it's an architectural decision. I'm asking you to put your money data into a product built by one person, on the promise I won't do to you what every previous app did to me.
Tyler
Founder, Arden · April 2026
3
ways your data leaves your device — every one initiated by you (export, optional Plaid sync, transactional email)
1
payment relationship — you pay us, advertisers don’t
0
data-broker pipelines, ad-tech trackers, or behavioral profiles
A money app worth paying for.
Two plans, both honest. Privacy at $5/mo for manual + CSV. Plus at $12/mo with bank sync — free for 30 days, no credit card required. Built by someone who got tired of picking between privacy and polish.
No credit card required. Cancel any time.