What is Skwad?

Skwad is a privacy‑first budgeting app that lets users track spending without sharing bank passwords. It imports transactions from email alerts, bank statements, and CSV/QIF files, and can convert PDFs to Excel for detailed record‑keeping. Users can create envelope budgets with rollover categories, generate comprehensive cash‑flow and spending reports, and scan receipts to auto‑categorize line items.

The platform supports real‑time account sharing for couples, automated bill reminders, and calendar sync to avoid late payments. Skwad offers optional Plaid or MX bank linking for users who need additional data, while keeping all sensitive credentials off‑site and allowing manual or automated transaction imports from older accounts or external tools.

Skwad details

Company: TCS Digital, LLC
Jurisdiction: Delaware
Built for: Individuals
Data residency: United States

Skwad tech specs

Cloud: AWS
Integrations: Google Workspace

Skwad pricing

Subscription

Yearly $49 billed yearly

Yearly $65 billed yearly

Yearly $109/yr

Diy $4.08/mo

Link $5.42/mo

Yearly $72 - $96/yr

Yearly $99.99/yr

$4.08/mo is cheaper than most for Personal finance median $9.99/mo

Most Personal finance tools start between $6 and $24.50 a month.

Auto-renewal: Yes

Trial, refund and renewal terms as stated in Skwad's own published documentation.

Verify on the official pricing page.

View plans

Skwad's key features

Parse email alerts into transactions
Auto-categorize every transaction
Receipt scanner extracts line items
Convert bank PDFs to Excel
Import CSV OFX QIF files
Optional bank sync with Plaid

Skwad use cases

Create a household budget plan that automatically imports all family bank statements via email, assigns each purchase to pre‑set envelope categories, and provides instant cash‑flow reports without exposing any transaction data to third parties.
Share a joint savings goal with a roommate by inviting them to the shared account, allowing both of you to approve envelope allocations in real time while keeping the data encrypted locally and no external APIs required.
Scan grocery receipts on your phone, let the app auto‑categorize and tag them into your envelope budget, then generate a monthly spending analysis that can be exported as a PDF for your tax preparation.