Unlock clarity with a flexible financial workspace.
Connect everyday budgeting with long-term goals to gain a full understanding of your financial picture.
Everything you'd expect from a modern budgeting app,
All accounts in one place
Connect checking, savings, credit cards, loans, and investments via Plaid.
Automatic categorization
Every transaction sorted into clear categories so you always know where money went.
Simple budgets
Set monthly targets by category and track progress in real time to stay on track.
Net worth tracking
Watch your net worth trend over time across every connected account.
Transaction search
Search, filter, and review your full transaction history across all accounts in seconds.
Goals & milestones
Create savings goals — emergency fund, a trip, a house downpayment — and track progress over time.
and then some.
Build custom dashboards that fit how you think.
Many budgeting and personal finance apps lock you into one fixed view. Threshold is different: arrange data elements on a flexible canvas to get detailed views of your financial picture.
Create powerful formulas to answer your toughest questions.
You're unique, and so are your money questions. That's why Threshold allows you to build custom formulas, using your real data, to uncover insights that update continuously: runway, monthly margin, savings rate — whatever you dream up.
Connect Threshold to Claude and supercharge your analysis.
Dive deeper into your finances by connecting Threshold to Claude via our custom MCP server. Build custom formulas, group accounts, and more, all directly from the Claude interface.
Threshold is private and secure by design.
We're a subscription business, not an ad business — your data is never the product.
No ads. No data sold. Ever.
We're supported by your subscription, not your data.
We never see your bank login.
Plaid handles the connection. We never see or store your credentials.
Bank-level encryption.
Your data is encrypted in transit and at rest with AES-256.
Delete your account anytime.
Easily remove your profile and all your data with a few taps.
FounderPaxton Spessard
A note from the developer.
Much of personal finance is about answering two questions: where's my money going right now, and am I building toward the future I want?
There are great tools for both, but I kept looking for a tool that connected the two. I couldn't find one, so I built Threshold.
It starts with everything you'd expect from a modern budgeting app, and gives you the flexibility to go further — to build out a full picture of your financial life, in one place.
If you have questions, email us at support@thresholdmoney.app. We read every message.
— Paxton
P.S. I made a short video on why I built this. Watch it here.