How Cinder Works

Cinder connects to your bank account and analyzes your transactions to help you understand how today's spending could affect upcoming bills and financial obligations.

Spending awareness without complex budgeting

Many financial tools require detailed budgeting and manual expense tracking.

Cinder takes a different approach.

By securely connecting to your bank account, Cinder analyzes transaction patterns and recurring expenses to help you understand your financial flexibility.

Step 1

Connect your bank account

Securely connect your bank account using Plaid.

The process takes only a few seconds, and your login credentials are handled directly by Plaid.

Cinder never stores your bank username or password.

Step 2

Cinder analyzes your transactions

Once connected, Cinder reviews your transaction history to identify spending patterns and recurring expenses.

This allows the app to understand how spending today may impact upcoming obligations.

📱 Screenshot placement:
Transactions screen

Step 3

See your financial flexibility

Cinder provides insights to help you understand how much spending flexibility you have before upcoming bills and obligations.

Instead of focusing only on past spending, Cinder helps you look forward.

Step 4

Stay aware over time

As new transactions occur, Cinder continues to update insights so you can stay aware of how your spending affects your finances.

The goal is simple:

Give you better financial awareness without complicated budgeting.

Security Reminder

Your financial data stays secure

Cinder connects to financial institutions through Plaid, a trusted financial data network used by many fintech apps.

• Encrypted connections
• Bank login handled by Plaid
• No stored credentials
• Disconnect anytime