Now available on the App Store

Take control of your finances, one stack at a time.

A budgeting app that's actually focused on budgeting.

No more junk, bloat, or features you never use. Just the information you need to stay on top of your finances in a simple, intuitive interface.

Download on the App Store

Free to download · No credit card required

Pancake app dashboard showing budget tracking and spending categories
Powered by Plaid
AES-256 Encryption
Read-Only Access
We Never Sell Your Data

How Pancake Works

Get started in minutes. No spreadsheets, no guesswork.

1

Connect

Link your bank accounts securely through Plaid, the same service that powers Venmo and Chime.

2

Track

Every transaction is automatically tracked and sorted into Needs and Wants so you always know where your money goes.

3

Budget

Get a personalized spending plan that works for your lifestyle and start building better financial habits.

01 / 03

Real-time spend tracking and categorizing — no manual entry required.

Connect your bank once and every transaction shows up automatically, sorted into categories. No spreadsheets, no receipts, no guesswork.

02 / 03

Your spending, split into Needs and Wants.

Every purchase gets sorted into one of two customizable "buckets".

03 / 03

All your due dates, subscriptions, and bills in one place.

Stop searching through endless apps, emails, and statements. Pancake retrieves your due dates and recurring charges and automatically adds them to your calendar.

Get the Full Stack with Pancake Pro

Unlock premium features to take your budgeting to the next level.

  • Dark Mode
  • "Payback" Linking
  • 12-Month Transaction History
See All Pro Features $2.99/mo or $29.99/year
Pancake Pro features

How We Protect Your Data

We understand being hesitant about giving apps access to your financial data. Here's exactly what we do to protect it.

No Data Selling

We never sell your data to third parties.

No Sensitive Storage

We never store account, routing, or card numbers.

Powered by Plaid

Same service behind Venmo and Chime.

AES-256 Encryption

Credentials and tokens encrypted at rest and in transit via TLS.

Read Our Privacy Commitment →
Data Security

Frequently Asked Questions

Pancake is a personal finance app that connects to your bank accounts through Plaid to automatically track your spending, categorize transactions, and create personalized budgets. Our mission is to make budgeting simple and stress-free.

Yes! Pancake's core features are completely free. We also offer Pancake Pro ($2.99/mo or $29.99/year) which unlocks premium features like dark mode, payback linking, and extended 12-month transaction history.

We use Plaid, the same trusted service that powers apps like Venmo, Robinhood, and Chime. Plaid connects directly with your bank over encrypted channels, and we never see or store your login credentials.

Your sensitive credentials are encrypted with AES-256 and unique per-user keys. All traffic uses TLS 1.2+. We never sell your data, and we never store account numbers, routing numbers, or card numbers.

Pancake is available now on iOS — download it free on the App Store. Android is coming soon.

Unlike other apps that try to do everything, Pancake focuses purely on budgeting. No investment tracking, no bill negotiation, no credit monitoring noise. Just clean, simple budgeting with AI-powered insights to help you build better financial habits.

Ready to take control?

Download Pancake Free

Available now on iOS. Android coming soon.

Download on the App Store

Free forever · No credit card needed