Woodo Finance

Woodo is a budgeting and spending-analytics tool for people who don't want to hand a third-party app their bank password.

Most modern budgeting apps (like Mint, Monarch Money, Copilot Money, Rocket Money) work by asking you to log into your bank through Plaid. You give them your credentials, they try to pull every transaction, and you accept that an aggregator is holding the keys to your accounts. For a lot of people, that's a non-starter: especially since Plaid breakages, the Mint shutdown, and the ongoing fintech consolidation made it clear how fragile that model is.

Woodo skips it. You download your monthly statement PDF from your bank or card issuer like you always have, drop it into Woodo, and within seconds you have a clean, categorized view of where your money went: transactions extracted, merchants identified, categories assigned, totals charted, recurring spend flagged, outliers surfaced. No Plaid token. No OAuth handshake with your bank. No app sitting in the middle of your money.

What you get: AI transaction extraction from any bank or credit card statement PDF — US and international. Chase, BofA, Citi, Capital One, Amex, Wells Fargo, Discover, plus almost all international banks, and even online banks.

Auto-categorization ? every line item is tagged by category (groceries, dining, transport, subscriptions, travel, etc.) so the chart is meaningful, not just a list.

Editorial dashboard ? a clean, financial-newspaper-style overview: the headline number, where it went, week-over-week deltas, by-category receipts, forecast strip, outliers, allocation donut.

Multi-card view ? connect every statement to its card and see all cards together, or filter by one.

CSV and Excel export ? for the spreadsheet purists who just want clean data to drop into their own model.

Multi-profile (Pro and up) ? manage household members, clients, or business books in separate profiles with magic-link sharing.

Card rewards analysis ? what each card actually earned you this period.

Pricing: Free ? 1 PDF per month, single profile

Starter ? $4.99/mo ($2.99/mo annual) — 3 PDFs/month

Pro ? $14.99/mo ($10.99/mo annual) — 10 PDFs/month, up to 4 profiles

Advisor ? $49.99/mo ($39.99/mo annual) — 50 PDFs/month, unlimited profiles (built for fee-only planners and bookkeepers managing multiple clients)

MAX ? $249.99/mo ($209.99/mo annual) — unlimited everything

Who it's for: people coming off Mint, anyone who refuses to use Plaid, freelancers who need clean expense data without a QuickBooks-class tool, couples who want a shared view without sharing bank logins, and financial advisors who manage statements for multiple clients.

What it's not: an aggregator, a bank-linking app, a bank account-syncing tool. There's no credential vault, no Plaid token, no scraper sitting on your accounts.

If "the only safe budgeting tool is the one I don't give my bank password to" sounds right to you, Woodo is built on exactly that idea.