Tender

Tender is a personal finance tool designed to help individuals manage their spending by treating expenses like an inbox, offering a to-do list approach to transaction review. The platform emphasizes visibility and simplicity in tracking finances, moving away from traditional budgeting toward a regular cadence of reviewing and organizing transactions. Its interface supports power users with features such as keyboard shortcuts, drag and drop, and bulk editing for efficient expense management.

Key capabilities include syncing with bank accounts through Plaid, enabling support for over 12,000 financial connections. Users can create unlimited custom categories and subcategories, set rules to automatically categorize transactions by name, amount, or account, and receive notifications when transaction amounts change. Tender allows transactions to be snoozed for later review, split into multiple categories, or grouped together. Additional features include adding notes to transactions, exporting data to CSV, undo and redo functionality, and organizing expenses with tags for purposes like trips or business expenses.

The platform provides data visualization tools, including charts and Sankey diagrams, to offer insights into spending patterns. Integration with Splitwise enables users to send expenses directly for splitting. Tender supports dark mode, works offline by storing data locally and syncing to the cloud when online, and ensures data is synchronized across devices. Security is a focus, with data encrypted at rest using bank-level AES-XTS encryption and a commitment not to analyze, share, or sell user data.

Tender is available as a web application and on macOS, iOS, and Android, catering to users who want to manage their finances from desktop or mobile devices. 99 per month with a 14-day free trial and a discounted yearly plan. It is currently available only in the United States, with a waitlist for international users. Tender is developed by good code not bad llc, operates independently without external funding, and does not display ads or monetize user data.