Tofulab is a personal finance companion that tracks every dollar, finds hidden waste, and shows you the patterns no spreadsheet ever could.
Free during beta · No credit card · Bank-level encryption
This month
$2,847.20
Groceries
28%$612
Dining
19%$430
Transport
12%$284
Subscriptions
4%$96
You spent $184 on coffee this month — 4× more than your usual.
Most of it on weekday afternoons. Want a budget for this?
Built by people who got tired of spreadsheets
What it does
Tofulab connects to your accounts, learns your habits, and surfaces the handful of insights that actually change how you spend.
Connect your banks and cards once. We categorize every transaction with AI — and learn from your corrections.
Beautiful breakdowns by category, merchant, and time. The patterns that hide in your bank app jump out here.
“You spend 38% more on Fridays.” “Your gym hasn’t been used in 2 months.” One useful insight a week — not a wall of charts.
We flag forgotten subscriptions, sneaky price hikes, and duplicate charges before they drain another month.
No red bars or shame. A quiet ping when something matters — and silence when it doesn’t.
Read-only connections, end-to-end encryption, and a business model that doesn’t involve selling your data. Ever.
How it works
Securely link banks and cards in under a minute via Plaid. Read-only, never shared.
We import 12 months of history, categorize everything, and learn what's normal for you.
One short weekly digest, and quiet nudges when something deserves your attention.
A week with Tofulab
You spent $184 on coffee in November — 4× your usual.
Apple TV+ renewed 3 months in a row. Last watched in August.
Weekend dining accounts for 62% of your dining spend.
Spotify Family went from $16.99 → $19.99.
3 weeks under your grocery budget. Nice.
Pricing
Free while in beta. When we launch, simple flat pricing — never ads, never selling your data.
All features, unlimited accounts. The price for helping us build something good.
Everything in Beta plus household sharing, custom rules, and exports.
Beta users get Plus free for the first year.
Drop your email and we’ll send your invite as we open up access.
No spam. One email when your invite is ready. Unsubscribe any time.