Cilantro Money

Cilantro watches the accounts you already have - and tells you what changed. No spreadsheets. No budgeting rituals. No categories to tag. Just clarity, whether you're on your own or sharing money with a partner.

CONNECT ONCE. IT DOES THE WATCHING.
Link your accounts through Plaid and Cilantro takes it from there. It looks for what's worth knowing and surfaces it in one "things to look at" queue on your home screen - with a one-line verdict on the week ("14 things to check"). Nothing to maintain, no daily check-in.

IT CATCHES WHAT YOU'D SCROLL PAST
• Anomalies - "usually $41 at Amazon, this one was $349."
• Recurring-bill creep - see when PG&E, your rent, or a subscription quietly goes up.
• Duplicate charges - when something bills twice.
• Spike week / quiet month - an at-a-glance read on what changed.

TRIPS, AUTOMATICALLY
When you travel, Cilantro detects the trip from your lodging charge - no setup. A LIVE card shows what you've spent so far and how today compares. Back home, the recap sums it up: categories, top merchants, outliers worth a look, and the full transaction list.

EVEN BETTER WITH YOUR PARTNER
Invite your partner and joint cards show up for both of you; private cards stay private. See a charge you don't recognize? Tap the flag and ask them about it right inside the app - they'll see your note and can reply. Trips you take together become one shared recap. One subscription covers your whole household.

INCOME THAT DOESN'T BEHAVE LIKE A SALARY
Freelancer, consultant, commission earner? Cilantro detects lumpy income and shows what a salaried view can't: this month's run-rate against your last 12 - "pacing for ~$67.6k - typical for you." Tap any month to scrub through deposits and mark what isn't really income. Auto-detected; salaried users get their own steady view instead.

WHERE IT WENT — WITHOUT TAGGING A THING
No rules, no manual categories. Spending ranks itself by share; tap any category for the charges underneath, any merchant for every charge from them. Plus a 6-month trend, money flow ("31% saved this month"), and a map of where you spent. The Accounts tab lists every connected account with its balance and last-update time.

WHAT'S COMING, BEFORE IT HITS
The Upcoming tab projects where your balance lands over the next 30 days from your real bills, subscriptions and pay - with a what-if toggle to see the impact of canceling a subscription, and your net worth charted over 12 months.

PRIVACY & CONTROL
Bank connections via Plaid — the same provider behind Venmo, Robinhood, and dozens of fintech apps. Per-account sharing controls: choose which accounts your partner can see. Push notifications you can tune per category. Full account deletion in Settings, with a 30-day window to change your mind.

Cilantro is free to try; Plus unlocks deeper insights and household features after a 7-day preview.

Native iOS. No ads. No data sales.