Calculate your daily Safe-to-Spend allowance, ring-fence annual sinking funds, and scan bank CSVs for subscription leaks 100% on-device — without sharing bank passwords.
SI Organizer
Them
Pricing
$5.99/mo · $34.99/yr · $69.99 lifetime
YNAB $109/yr · Copilot $95/yr
Bank Credentials
Never required — 100% private on-device ledger & CSV scan
Plaid/aggregator bank login required
Daily Planner & Habits
Includes Eisenhower 2×2 planner + 66-Day Habit Curve
Finance only
Platforms
iOS, iPadOS, Android & macOS
Copilot lacks Android
YNAB and Copilot automate live bank transaction feeds via Plaid; SI Organizer is built for users who refuse to hand bank credentials to third-party cloud aggregators.