Now in public beta — iOS first

Personal finance, made simple.

Pragmatics is a personal finance app for the rest of us — no gamification, no doomscrolling charts. Just your full picture, read at a glance, written in plain English.

Download for iPhone → See the tour
Bank-grade encryption
Net worth · updated just now
$487,213.42
$27,118.79 (+5.89%) past 1M
This month
–$1,181
of $1,450 budget
Over pace +$311 12d left
VTI$247.18+0.86% FXAIX$204.11+0.72% BTC$64,110–1.86% AAPL$216.04+0.41% BND$73.92+0.12% VXUS$62.40+0.33% MSFT$428.71+1.04% ETH$3,310–0.94% S&P5,822.14+0.28% NDX20,117+0.41% VTI$247.18+0.86% FXAIX$204.11+0.72% BTC$64,110–1.86% AAPL$216.04+0.41% BND$73.92+0.12% VXUS$62.40+0.33% MSFT$428.71+1.04% ETH$3,310–0.94% S&P5,822.14+0.28% NDX20,117+0.41%
What it does

One app to understand every dollar — without the lecture.

We connect every account you already have, then stop pestering you. Pragmatics answers the three questions you actually care about: where am I, what changed, and what should I do next.

Real net worth, refreshed hourly

Assets minus liabilities, broken down by account. See the shape of your finances, not just the last transaction.

$768Kavg. tracked

Transactions that explain themselves

Auto-categorized, deduped across cards, grouped by day and merchant. No rules to write. Receipts attach automatically.

20smonthly review

A budget that adjusts to real life

Set a monthly ceiling, we pace it day by day. Over? Under? You'll know in a glance — not a spreadsheet.

12davg. notice
The tour

Built for the second glance.

We designed Pragmatics around five tabs, not fifty — each one answers a question you'd actually stop to ask. Tap through to see what lives inside.

01 Net worth
A single number, its 30-day shape, and every account that composes it.
02 Activity
Every transaction across every card, grouped by day with in/outflow totals.
03 Invest
Holdings, allocation, and performance across brokerages in one portfolio view.
04 Budget
Monthly pacing, category caps, and quiet nudges when you're drifting over.
05 Rewards
Every card's points and credits in one place — never leave $365 on the table.
Net worth screen Activity screen Invest screen Budget screen Rewards screen
Budget

Pacing, not policing.

Your budget isn't a pass/fail test. Pragmatics shows where you are against an even daily pace, so you can course-correct early — or spend with confidence when you're under.

  • ✓ Category limits with daily pacing and 7-day forecasts
  • ✓ Rollover for lumpy categories (groceries, gas, utilities)
  • ✓ Gentle notifications — never shame-based
  • ✓ Couples mode: shared categories, private categories
Spent so far

$1,181

of $1,450 budget
Over pace +$311
Groceries$419
69% usedLimit $600
Dining$347
86% usedLimit $400
Transport$89
74% usedLimit $120
Shopping$262
104% usedLimit $250
Portfolio

$194,882.05

▲ $669.61 today
Total $194.9K
US Equities52%
International15%
Bonds10%
Crypto17%
Cash6%
Invest

Every brokerage. One portfolio.

Pragmatics pulls holdings from Fidelity, Vanguard, Schwab, Robinhood, and 40+ others — then stitches them into one allocation view so you can actually rebalance.

  • ✓ Allocation, performance, and cost basis, unified
  • ✓ Drift alerts when your target allocation slips >5%
  • ✓ Crypto wallets supported via read-only xpub & exchange APIs
  • ✓ Tax-lot aware — nothing is sold or moved, ever
Security

Read-only. Encrypted. Never sold.

Pragmatics is a viewer, not a wallet. We can't move your money — and we don't make money by selling your data. We charge a subscription so we don't have to.

256-bit encryption

Data is encrypted at rest and in transit. Credentials never touch our servers — Plaid and MX handle the handshake.

Read-only by design

We can see your balances. We can't move a cent. No transfer APIs are connected — by choice, permanently.

No ads, ever

We don't sell data, run ads, or accept referral kickbacks on cards. Your $9/month is our only revenue.

"Two minutes with my coffee and I know where I stand, what's coming, and what's worth fixing. Every other app wanted my attention — Pragmatics gave me mine back."
N
Nancy Cannon
Member · tracking 11 accounts
Pricing

Straightforward. Cancel anytime.

One month free — no credit card required to start.

Essential
$7/month

For focused finances. Everything you need to see your full picture in one place.

  • Up to 5 linked institutions
  • Net worth, activity & budgets
  • Rewards & credits tracking
  • CSV export
Start 1-month free trial
Complete · most picked
$10/month

For the whole financial life. More linked accounts and everything in Essential.

  • Up to 15 linked institutions
  • Net worth, activity & budgets
  • Rewards & credits tracking
  • CSV export
Start 1-month free trial

Your money, finally legible.

Download Pragmatics free for iPhone. Connect your first account in under two minutes.

Download for iPhone →
Contact us

Real humans, reading every email.

Have a question, a bug, or a feature you wish existed? We read and reply to every note — usually within a day.

Email us
contact@pragmaticsmoney.com
Based in
900 Pusey Ave
Collingdale, PA 19023
Response time
Within 1 business day
Support hours
Any time of the week
Tweaks
Accent
Brand
Background
Hero headline