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Meet Dough

Your money, explained.

Connect your accounts. Dough sorts every transaction, watches your budgets, tracks your investments — and tells you what changed, in plain English.

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  • Bank credentials never stored
  • Read-only connections
  • One household sees one household's data

Built to be trusted with the real thing

Dough asks for a connection to your bank. Here is exactly what it does with it — every line below is stated the same way in the privacy policy.

Bank credentials never stored

You sign in on Plaid's own interface. Dough never sees, receives or stores your banking username or password.

Read-only connections

The access token Dough holds permits reading balances and history. There is no code path in this product that moves money.

Encrypted at rest

Institution tokens are encrypted with an authenticated cipher, so a copy of the database is not a usable credential without the key.

Households stay separate

Isolation is enforced at the query layer, not page by page — so a new screen cannot forget to apply it.

Your data belongs to you

Export everything as JSON, or delete your account outright, from your own settings page. No email required to get it back.

Never sold, never advertised against

No advertising trackers, no sale of personal information, no marketing email. The product is the product.

Ask Dough

A balance tells you what. Dough tells you why.

Ask in your own words and get an answer grounded in your own figures, not general advice. These are illustrations, written against the sample data above.

Why did I spend $620 more this month?

Three categories account for almost all of it.

  • Dining+$24511 more takeout orders than June
  • Utilities+$92higher summer electricity
  • Groceries+$84two extra shops, prices flat

The rest is spread thinly across seven categories. Overall spending is up 8% — income covered it, so savings still grew, just by less.

Can I afford a $2,400 trip in October?

Yes, and without touching investments.

  • Average monthly surplus$1,180trailing six months
  • Set aside by October$3,540three more months at that rate
  • Committed before then−$900insurance renewal in September

That leaves roughly $240 of headroom. Tight but real — and it does not assume you change anything.

What am I actually subscribed to?

Fourteen recurring charges, $312 a month. Three are worth a look.

  • Streamline Audio+$4.00rose in May, no notice sent
  • Northline Fitness$59.00no visit charged since March
  • Two cloud storage plans$21.98overlapping, same household

Dough found these by watching the ledger for repeats. Nothing here was typed in by hand.

How is the portfolio doing, honestly?

Up 6.2% this year, and more concentrated than it was.

  • Largest position34%was 26% in January
  • Cash drag7%uninvested across two brokerages
  • Contributions$1,050/mosteady all year

Not advice, and Dough says so — it is your own numbers, read back to you clearly enough to act on.

Everything in one place

Five apps' worth of work, and the one that reads them together

Accounts, transactions, budgets, investments and the people you share money with — under a single roof, and a single account.

Transaction management

Every charge sorted into a category automatically, with rules you can teach when it guesses wrong. Search, filter, bulk-edit, and undo a whole import in one click.

Account aggregation

Link banks, brokerages and crypto exchanges once. Balances, holdings and transactions refresh on their own — or on demand, when you want to see something now.

Investment tracking

Shares, average cost, live prices and gain/loss per position — plus allocation and net-worth charts that redraw themselves after every sync.

AI financial assistant

Ask Dough anything about your own money — "why was last month expensive?", "can I afford this?" — and get an answer grounded in your actual figures rather than general advice.

Household collaboration

Invite the people you actually share money with. Everyone in a household sees the same accounts — and no household can see another's, ever.

Budget intelligence

Set a limit and Dough watches it for you — flagging the categories drifting over before the month ends, not after.

Subscription detection

Recurring charges found by watching the ledger rather than by asking you to list them — including the ones that quietly went up.

Unusual charge review

Amounts that do not look like your normal pattern get surfaced for a second look, before they become a statement you scroll past.

Net-worth history

One line that goes back as far as your data does, cash and holdings together — so progress is something you can see rather than sense.

Understanding

It tells you what changed, not just what happened

A list of transactions is a record. Dough reads the record and reports the story: the subscription that quietly went up, the category running 40% hot, the bill landing on Thursday that your balance has not accounted for.

  • Cash-flow forecast with a runway in months
  • Recurring bills detected, not typed in
  • Unusual charges surfaced for review
  • A net-worth line that goes back as far as your data does
Tone

Encouraging, never preachy

Going over budget is a fact to work with, not a failing. Dough is warm without being cute, direct without being alarming, and he will never use fear to get your attention — which, in a product that knows what you earn and what you owe, is the whole difference.

  • One voice across chat, dashboard and portfolio review
  • Sixteen themes, and it remembers which one is yours
  • Works on the phone as well as it does on the desk
Security

What happens when you connect an account

Three steps, and the credential never passes through Dough in any of them.

  1. You authenticate with your bank

    The sign-in happens on Plaid's interface, against your institution. Dough is not in the middle of it and never receives what you typed.

  2. Dough receives a read-only token

    What comes back permits reading balances, holdings and history — nothing else. It is encrypted at rest with an authenticated cipher.

  3. You can revoke it in one click

    Disconnecting an institution deletes the stored token. Deleting your account removes your details, sessions, API tokens and connections.

Passwords

Stored only as a scrypt hash. Changing yours invalidates every existing session and API token at once.

Sessions

Signed, expiring, and cleared past their absolute lifetime — a stale browser is treated as a stranger, not as you.

Isolation

Household scoping is applied in the query layer with an ORM backstop, so a query that forgets it raises instead of leaking.

Logging

Passwords, tokens, account numbers, prompts and completions are excluded at the formatter, not per call site.

Audit trail

Sign-in, sign-out, invitations, token issue and revocation are recorded append-only, and record events rather than balances.

What we don't claim

No system is perfectly secure, and Dough does not pretend otherwise. The policy says the same thing in the same words.

Questions

The things people ask before connecting a bank

How does Dough connect to my bank?

Through Plaid. You authenticate on Plaid's own interface, against your institution, and Dough receives an access token in return — never your banking username or password. Dough uses that token to read account names and types, balances, and transaction history.

Can Dough move my money?

No. The connection is read-only and there is no payment, transfer or trading code path in the product at all. Dough can tell you a bill is due; it cannot pay it.

Is my information secure?

Passwords are stored as a scrypt hash. Institution tokens are encrypted at rest with an authenticated cipher, so a copy of the database yields nothing usable without the separate key. Sessions expire, and changing your password invalidates every session and API token you have.

No system is perfectly secure, and Dough does not claim otherwise. The privacy policy spells out the rest.

Which banks are supported?

Whichever ones Plaid supports — thousands of banks, credit unions and brokerages across the US, Canada and Europe. Anything it does not reach, you can import from a CSV statement, and the same categorization and budgeting applies to it.

Can I disconnect an account?

At any time, from your connections page. Disconnecting deletes the stored access token. You can also export everything Dough holds as a JSON file, or delete your account outright, from settings.

Does Dough sell my data?

No. There are no advertising trackers, no sale of personal information, and no sharing with third parties for their own marketing. When you use an AI feature, a summary of the relevant figures is sent to Anthropic to answer that question; your prompts and its replies are not written to logs or the audit trail.

Who else can see my figures?

Only the people you invite into your household. That is what a household is for, and it is also the boundary — no household can read another's data, which is enforced at the database query layer rather than page by page.

Take control of your finances

This instance is invitation-only. If somebody has sent you a link, it will sign you straight into their household.

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Free to create. Read-only connections. Delete everything in one click.