Couples and households
One price. Both of you.
Invite your partner free. Do the check-in together in five minutes, not in a money fight.
Founding seats from October 26
Find out where your money actually went.
Bagged gives you a 5-minute weekly check-in that ends. You'll see what came in, what went out, what's left, and one cut worth making, with the math shown.
The waitlist opens soon. Check back here to save your spot.
Free to join. Founding seats go to the waitlist first. Access opens November 14. Read-only bank connection. No ads, ever.
- Read-only: Bagged can see transactions but can never move money.
- No ads. We don't sell your data.
- Your partner is included at no extra cost. Up to two adults, each with their own login.
This week
$412 left
In$2,140
Out$1,728
Dining ran 38% above your normal. 4 orders explain most of it.
One cut worth making
Cancel StreamPlus
Charged for14 months straight
Cost$15.99 / month
You keep$191.88 / year
AcceptSkipSnooze
You're done for this week.
Next check-in: Sunday. Weeks in a row: 6
Example screens. Numbers are illustrative.
You earn decent money. So where does it go?
Most money apps hand you a dashboard and a to-do list: categorize this, fix that budget, check back tomorrow. People quit. Not because they're bad with money, but because it turns into a second job.
"And I genuinely have no idea where it all went."
r/NoStupidQuestions"my wife and I make pretty good money but feels like we live on the margins."
r/MiddleClassFinance"it became a chore. I felt more confused and uncertain than empowered. And I don't think it saved me any money."
r/ynab"I've tried every app, every spreadsheet, every method of budget and I'm over it. Nothing works. Nothing inspires me."
r/budgetingforbeginners
Public posts from Reddit communities. These are not Bagged users.
Five minutes. Once a week. Then you're done.
- 1
Connect, read-only.
Link your bank and cards, or import your history from Quicken, Mint, YNAB, Monarch, or Copilot. Bagged never moves money.
- 2
Get your week in one screen.
In, out, left, and where it went, including what was actually in those Amazon orders. If you spent more than your own normal, Bagged flags it.
- 3
Make one cut, or don't.
Bagged suggests one specific change and shows the math. Accept it, skip it, or snooze it. Then the check-in ends.
Want to set money aside for bills? Earmark it inside Bagged. The money stays in your account.
Built to be finished, not managed.
| Feature | Bagged | Typical budgeting app | General AI chatbot |
|---|---|---|---|
| Time each week | About 5 minutes, then it ends | Open-ended upkeep | Depends on what you ask |
| What you get | One cut, with the math shown | Charts and categories | Answers to your questions |
| Compares you with | Your own normal spending | A budget you set | Whatever you prompt |
| Your data | Read-only, no ads, no data sales | Varies; some show ads | Varies by settings |
| Rewards | Only for real results, like a cut that actually happened | Badges for logging in | None |
Your money stays put. Your data stays yours.
Linking a bank should feel like a big deal. Here's exactly what Bagged can and can't do.
Read-only access
Bagged views transactions through a bank-data provider. It cannot move, send, or withdraw money.
No ads and no data sales
Your subscription is the business model.
Delete everything anytime
One button deletes your account and your data.
Switching
Leaving another app? Bring your history.
Import from Quicken, Mint, YNAB, Monarch, or Copilot. Your categories map over automatically, so Bagged knows your normal from day one.
Founding members
Two plans. The best prices we'll ever offer.
Both plans include up to two adults at no extra cost.
Bagged
For you, or you and a partner.
$79 first year
Then $99 a year, or $11.99 a month
- 5-minute weekly check-in that ends
- Overspend flag against your own normal
- One suggested cut, with the math shown
- Bill earmarks, Amazon item detail, history import
- Up to 2 adults, free
Refund any time until Dec 14, 2026.
Your first year starts Nov 14, 2026, when you get access, not the day you pay.
Bagged Family
For adults sharing a household.
Not on sale yet; planned for Nov 14.
- 500 seats only. The waitlist gets 72 hours before the public.
- Pay first. Full refund for 30 days after bank linking opens on Nov 14, so through Dec 14.
Questions
Is Bagged free?
Joining the waitlist is free. Bagged costs $11.99 a month or $99 a year. Founding members pay $79 for the first year. There's no free trial. Full refund any time before Nov 14, and for 30 days after bank linking opens for you. Planned for Nov 14, so through Dec 14, 2026.
Why no free trial?
Because the first useful week matters more than a 7-day countdown. Paying up front with a no-questions refund lets you try it on a real month of spending.
Can Bagged move my money?
No. The connection is read-only. Bill earmarks are labels inside Bagged; the money never leaves your account.
Which banks work?
Most US banks and credit cards. If yours doesn't connect, you can import a file instead, or get a refund.
Is it an app?
It works in any web browser, on phone or computer. Native apps come later.
Who is it for?
Anyone who wants to know where their money went without managing a budget. That includes couples, people with income that changes month to month, and people who've quit other apps.
Does it nag me?
No. You get one weekly check-in at a time you choose. Savings help is optional and turned off by default.
What happens after my first year?
Founding members renew at list price ($99 a year) unless they cancel. We email you before every renewal, and you can cancel in one click.
How do I cancel?
Settings, then Subscription, then Cancel. One click, no phone calls, no retention maze.
Next Sunday, know exactly where it went.
The waitlist opens soon. Check back here to save your spot.
Founding seats are offered to the waitlist first. Access opens November 14.