---
title: "Financier: Financial plan in 3 minutes"
description: "Financier connects to your bank accounts read-only, reads up to two years of transactions, and turns them into a personal finance plan: seven stages from eliminating a monthly deficit to investing, with the next concrete actions for each."
canonical: https://financier.sh/
updated: 2026-09-22
---

# Financier: Financial plan in 3 minutes

Financier connects to your bank accounts read-only, reads up to two years of transactions, and turns them into a personal finance plan: seven stages from eliminating a monthly deficit to investing, with the next concrete actions for each.

## How it works

1. Connect the bank your pay lands in, then any cards, savings and loans. Access is read-only, through Plaid.
2. Financier reads your transactions and files every merchant into a category. Anything it cannot place confidently becomes a one-tap question.
3. You get a plan: where you stand today, which stage you are in, and the next few actions with exact amounts.

## The seven stages

| | |
| --- | --- |
| Stage 0 | Eliminate deficit |
| Stage 1 | Control your debt |
| Stage 2 | Master spending |
| Stage 3 | Automate saving |
| Stage 4 | Build your security fund |
| Stage 5 | Automate retirement |
| Stage 6 | Invest and grow |

Each stage has a clear finish line. The plan works on one stage at a time and moves you to the next when it is done.

## What the plan contains

| | |
| --- | --- |
| Monthly picture | Income, spending and what is left, from three-month averages |
| Budget | Essentials, discretionary spending and savings against a target split |
| Safety net | Months of essentials covered by cash, and the gap to the target |
| Debt | Card balances and loans, with a payoff order |
| Actions | Concrete steps with amounts: autopay a card, move $X into savings each payday |

## Safety

- Read-only: Financier can see balances and transactions and cannot move money.
- You sign in at your bank, not here; Financier never sees your bank password.
- Bank access tokens are encrypted at rest (AES-256-GCM).
- Delete everything, any time, from Settings: every connection is revoked at Plaid and every row is removed.

## For developers and agents

Everything the app does is available through a REST API, an MCP server and OAuth 2.1. Create API keys yourself under Settings, Developer.

- [Developer portal](https://financier.sh/developers)
- [API reference](https://financier.sh/api/docs)
- [OpenAPI document](https://financier.sh/api/openapi.json)
- [MCP server](https://financier.sh/mcp)
- [llms.txt](https://financier.sh/llms.txt)

## Questions

| | |
| --- | --- |
| Which banks work? | Any US institution Plaid supports: banks, card issuers, lenders and brokerages. |
| Can Financier move my money? | No. Access is read-only. |
| Is this financial advice? | No. The plan is a starting point built from your own numbers. |
| How do I delete my data? | Settings, Delete everything. It is immediate and cannot be undone. |