All the upside of a budget. None of the work.
Athena connects to your bank, names every merchant in plain English, and files each dollar into its envelope — while you live your life.
Raw bank strings become plain English. You never touch a thing.
Manual budgeting is exhausting.
You already know where your money goes wrong. You just can't fix it when the budget itself is a part-time job.
You spend Sunday night entering transactions and fixing formulas. By Wednesday it's out of date again. You're maintaining a spreadsheet, not keeping a budget.
Starbucks is coffee. Or is it dining out? Every import dumps thirty new transactions on you, and every one needs a decision you've already made before.
You check mid-month and can't tell if the numbers are current, so you stop checking. Then you overspend, feel bad about it, and start the whole thing over.
Set it up once. That's the whole job.
Link your accounts once through Plaid. Transactions start flowing in on their own.
Every merchant named in plain English. Every dollar filed into the right envelope. Automatically.
Open Athena to see where you stand and decide what's next. That's the habit — all of it.
A budget shaped like your life.
Not someone else's template. Athena drafts envelopes from how you actually spend, keeps them current as life changes, and lets you rename, merge, or add your own in seconds.
We can read your spending. We can't touch your money.
The bank connection is read-only — moving money isn't a permission we have. Here's how we protect the data we do hold.
We connect through Plaid, the same service your bank already works with. The link can read transactions and balances — that's the whole list. There is no version of it that can send, spend, or withdraw.
You sign in on your bank's own page, so your credentials never pass through our servers. The connection tokens we do hold are encrypted before they touch the database and never appear in anything we send back.
TLS on every connection, enforced with HSTS. Bank tokens and account numbers get a second layer of AES encryption inside the app itself, with keys we rotate without downtime. Nightly backups are AES-256 encrypted.
Turn on 2FA with any authenticator app and it's checked on every protected screen. If your 2FA status can't be confirmed, access is denied — the door fails locked, not open.
Payments run through Stripe. Your card number is tokenized in your browser and stored on their systems, not ours. All we keep is a reference that's useless anywhere else.
The production database has no public endpoint. Secrets live in a managed vault, never in code. Every change is scanned for vulnerabilities and leaked keys, and logs are scrubbed of anything sensitive before they're written.
Frequently asked questions
Yes — it takes two taps in settings. No retention offers, no chat with an agent. And if you come back later, your envelopes will be right where you left them.
Through Plaid, the same connection service used by major financial apps. It's read-only — Athena can see transactions but can never move money — and your bank credentials never touch our servers.
Recategorizing takes one tap — and Athena learns from it, so the same merchant lands in the right envelope next time.
Anytime. Export everything to CSV from settings, whether you're staying or going. And deleting your account deletes your data — we don't keep a copy.