Closed private beta · invite only
Watch your net worth grow with Figure.
Figure brings your bank accounts, credit cards, investments, home and loans together and tracks your net worth every day. It sorts every transaction for you, predicts upcoming charges, and shows where small changes could add up.
See where your money actually goes.
Every transaction is sorted automatically into bills, essentials and optional spending, and Figure learns from anything you fix. See your biggest categories, the merchants behind them, and what changed from last month.
Everything in one place.
Built for the whole picture, not just a checking account.
Unified accounts
Banks, cards, investments and loans, connected through Plaid or imported from any statement. Moving from Mint, Monarch, YNAB or Copilot? Your history comes with you.
Complete net worth
Home, car, gold and crypto are valued alongside your accounts, with what you owe netted out. Your true net worth, recorded every day.
Bill tracking and alerts
Recurring bills, subscriptions and paychecks are detected automatically. Get a reminder before each bill is due, and a flag when one costs more than usual.
Adaptive categorization
Every transaction is sorted for you, and each correction teaches Figure for next time. For anything left, bring in ChatGPT or Claude in one tap.
Budgets and safe-to-spend
Budgets drawn from your actual spending, and a daily safe-to-spend figure that already accounts for bills and savings.
Savings and growth insights
See where habits like delivery and coffee add up, what cutting back could grow into over time, and follow the stocks and funds on your watch list.
Your bank login never touches Figure.
Bank connections go through Plaid, so Figure never sees or stores your bank password. Bank access tokens and identifying details like merchant and account names are encrypted before they're stored, everything travels over HTTPS, and each person's data is walled off at the database level.
Privacy
Last updated September 24, 2026. Figure is a personal finance app in private beta. This explains what data it uses and why.
What we collect
- Your email address, to sign you in.
- Balances, transactions and investment holdings from accounts you choose to connect through Plaid, or from files you upload.
- The categories, budgets, notes, assets and watch list you create.
How it's used
Only to show you your own finances: categorizing transactions, finding bills and income, reminders, budgeting, savings ideas and tracking net worth. We don't sell your data or use it for advertising.
Service providers
Bank connections are provided by Plaid (Plaid's end user privacy policy). Prices for your watch list and assets come from market-data services, which receive only ticker symbols, never anything about you. Figure doesn't send your transactions to AI services; if you choose to use your own AI assistant, you decide what to share with it. Data is stored with our database and hosting providers, and each receives only what it needs to provide its service.
Your choices
You can disconnect any bank at any time, which revokes Figure's access, and you can ask for your account and data to be deleted.