Kiwi Finance gives you a real-time view of your entire financial life —
synced automatically, exported to the cloud, and ready to help you
make smarter decisions every single day.
Built for people who want to actually understand where their money goes.
Automatic Bank Sync
Connect all your banks via Plaid. Transactions flow in automatically — no CSV uploads, no manual entry.
Cloud Export
Every account and transaction is exported to S3 daily — searchable, archivable, and ready for analysis.
Smart Dashboard
Beautiful charts show your spending by day, merchant, and category. See patterns before they become problems.
Live Budget Tracker
Set monthly targets per merchant or category. Watch your live spending stack up against your goals in real time.
Why Kiwi Finance is different
We built this because we were frustrated with every other finance app. Here's what we do differently.
Your data. Your control.
We never sell your data. We don't show you ads. We don't push credit card offers. Your financial data is stored locally in SQLite and optionally exported to your own S3 bucket. You own it, you control it, you can delete it anytime.
Unlike: Mint, Credit Karma (ad-supported models)
Reliable sync via Plaid
We use Plaid's production API with incremental cursor-based syncing. Your credentials never touch our servers — Plaid handles authentication. Transactions sync daily with added, modified, and removed records tracked automatically.
Unlike: Apps with frequent disconnection issues
Flexible, not rigid
Build your own budget categories. Create custom dashboard views. Export raw data and run your own queries. We give you powerful defaults but never lock you into a single framework.
Unlike: YNAB (strict envelope budgeting)
Fast & lightweight
Local SQLite database means instant queries. No server round-trips for every chart. The dashboard loads in milliseconds, not seconds. Clean UI with no clutter, no upsells, no distractions.
Unlike: Slow, bloated web apps
Built for power users
Direct SQL access to your data. S3 exports for Athena/Redshift. Open source codebase you can fork and customize. API endpoints for building your own tools on top.
Unlike: Closed platforms with limited export
100% free, forever
No premium tiers. No feature paywalls. No "upgrade to see more than 3 months of data." Everything is free because we're not trying to monetize your financial data.
Unlike: Personal Capital, Quicken (subscription models)
Bank Connections
Securely connect your accounts via Plaid
Powered by
Bank-grade security via Plaid
Your banking credentials never touch our servers. Plaid handles all authentication and returns only secure access tokens. We store transaction data locally in your SQLite database — you can inspect, export, or delete it anytime. Request my data →
▶ Kiwi Finance — ready.
Use the buttons above to sync accounts and transactions.
Built for real people who care about their money
"Finally a finance tool that actually connects to my real accounts and shows me what I'm spending without making me do the work myself."
A
Alex M.
@alex_budgets
"The automatic S3 export is a game changer. I can run my own analytics on top of the data whenever I want."
J
Jordan K.
@jordan_finance
"The budget tracker with live merchant spending is exactly what I needed. No more spreadsheets."
S
Sam T.
@sam_saves
Join the team
We're building the future of personal finance. Come help us.