Cut $184 from next month.
Calder links every account and card you hold, then names the subscriptions that cost you $184 last month.
Open a free account
“I found three subscriptions I had forgotten about in the first ten minutes. That is $47 a month back.”
Priya Raman
Nurse practitioner, Denver Health
12,400 people connected an account last quarter
Northbank
Harlow Credit Union
Pierpoint
Castleford Savings
Four jobs Calder does on day one
Reads 3,400 banks
Calder connects to 3,400 US banks and credit unions. Most accounts finish linking in under 90 seconds and start backfilling two years of history straight away.
Finds forgotten subscriptions
Calder flags every recurring charge it can see, including the ones that quietly changed price. A new account finds four of them on average.
Sorts every transaction
Each charge lands in a category you can change. A rule you set once applies to every future charge from that merchant, backdated to the day you joined.
Read-only access, always
Calder holds read-only access to every account it reads. Moving money still happens in your bank’s own app, and Calder staff never see your bank login.
Four minutes from download to first insight
Three steps, and only one of them asks you to type anything.
1
Open the account
An email address and a password. Calder asks for nothing else until you choose to link a bank, and it never asks for a card.
2
Link a bank
Pick your bank from 3,400, then sign in on your bank’s own screen. The password you type there goes to your bank, not to Calder.
3
Read the first report
Two years of history backfills in about ninety seconds, and the first subscription report is waiting when it finishes.
One balance across nine accounts
Calder pulls every balance every four hours and adds them up. Checking, savings, credit cards and the account you opened years ago and forgot, all on one number.
See a charge within four hours
Calder shows a new transaction within four hours of it clearing, with the merchant name your bank hid behind a payment processor code.
3,400 banks, including the one you already use
Calder reads accounts at every institution below and at 3,388 more, through the same connection your bank already supports.
Northbank
Harlow Credit Union
Pierpoint
Castleford Savings
Marlowe Trust
Ridgeway Federal
Ash and Vane
Kingsport Mutual
Delta Union
Halewood Bank
Sixmile Savings
Bramwell Financial
before you sign up.
Read-only, encrypted, and audited twice a year
Calder can see your balances. It has no route to move your money, and neither does anyone who works here.
Read-only connections
Every link is read-only at the bank’s end, not just at ours. Permission to move money is something Calder cannot request, so it cannot be granted by mistake.
Encrypted end to end
Account data is encrypted with AES-256 at rest and TLS 1.3 in transit. Keys rotate every 90 days and are held in a service separate from the one that reads them.
SOC 2 Type II, twice yearly
An independent auditor tests the controls every six months rather than once a year. The current report is available under NDA from the security page.
Deletion in one click
Closing your account wipes every balance, transaction and bank token within 30 days. The confirmation email lists exactly what was removed and when.
“I linked four accounts on a Sunday night and Calder found $61 a month in subscriptions I had stopped using. I cancelled three of them before Monday.”
Danielle Okafor
Staff nurse, Emory University Hospital
“My partner and I run six accounts between us. Calder is the only place we have ever seen a single household number, and it updates every four hours.”
Marcus Bell
Site foreman, Turner Construction
“Calder caught a $312 duplicate charge from my gym two days before my statement closed. The refund landed the same week.”
Renata Diaz
Dental hygienist, Aspen Dental
Link your first account in under two minutes.
Open a free account
Four dollars a month, and a free tier that stays free
Every tier reads the same 3,400 banks. The paid ones remove the account limit and keep more history.
Free
One person, three accounts
$0
forever
Three linked accounts
90 days of history
A weekly subscription report
CSV export
Open a free account
Most people pick this
Plus
One person, every account
$4
a month
Unlimited linked accounts
Full history, as far back as your bank keeps it
Daily alerts when a price changes
Category rules and CSV export
Start Plus, free for 30 days
Household
Two people, one number
$8
a month
Everything in Plus, for two logins
One combined household balance
Shared category rules
Split any month by person
Start Household, free for 30 days
Prices in US dollars. Cancelling takes one click in the app and drops the account back to Free rather than closing it, so nothing you have categorised is lost.
The six questions people ask before linking a bank
If yours is not here, support answers in under four hours on weekdays.
What does Calder cost after the trial?
Four dollars a month for Plus and eight for Household, at the same rate whether you pay monthly or annually. If you stop paying, the account drops to the Free tier with three accounts rather than closing, so your categories and rules survive.
What happens to my data if I leave?
Deleting the account removes every balance, transaction and bank token within 30 days, and Calder emails a list of what was removed. Export everything to CSV first if you want it, including the categories and rules you set.
How long does setup actually take?
About four minutes. Two of those are your bank’s own sign-in screen, and roughly ninety seconds is Calder backfilling two years of history in the background while you do something else.
Can Calder move money out of my accounts?
No. Every connection is opened read-only at the bank’s end, which means permission to make a payment is something Calder cannot request. Payments still happen in your bank’s own app, exactly as they did before.
Am I locked into a contract?
There is no contract and no notice period. Cancelling is one click in the app, takes effect at the end of the month you have already paid for, and leaves the Free tier running underneath.
My bank is small. Will it work?
Probably. Calder reads 3,400 US banks and credit unions, which covers most institutions with more than two thousand members. Search the list before you sign up, and if yours is missing you can request it and Calder will say how long it will take.
Get the Sunday money email
One email on Sunday morning with what you spent, what changed, and the two charges worth a second look.
One email a week. Unsubscribe from any of them in a single click.
$184
Found per user, per month
Median across the first 30 days
3,400
Banks Calder reads
US banks and credit unions
