It uses a browser, the way you would.
That is the whole trick. Mind My Money is a Mac and Windows app that points an AI at a real Chrome window and has it go through your money the way you would if you had the evening: download the transactions, name them, sort them, find the charges you forgot about. Except you are not the one doing it.
Three moves, and you can see the month.
Your bank, your card, the accounts the money goes through. A real browser on your computer, on a profile kept just for this. You sign in yourself, and it helps you download the transactions.
Including the ones your bank only calls PayPal or Klarna. It works out the shop from your own receipts, messages and photos, looking only at the few days around each payment, and sorts the lot so you can see the month.
Whether to keep something, never whether it is there: the rows already say that. What stays and what goes is up to you.
Which is why it works with everything: there is no integration anywhere in it. If you can reach your bank in a browser, so can Mind My Money. There is no connector to wait for, and no bank that has to support us first.
See a month go past.
Below is one month, step by step. It is quicker to look than to read.
Your part is small, and it is the part that should be.
It runs in the background over days, not in one sitting. It stops when it reaches something only a person can settle, waits however long you take, and picks up where it left off.
Most of what it asks is not judgment at all — it is a login it cannot pass on your behalf, because strong authentication is yours to approve. That is a feature, not a shortcoming.
It opens your bank's page and waits there for you to sign in. Ten seconds, not ten minutes working out where it got to.
Whether the gym stays, whether that streaming service is still watched. It asks rather than guessing, because only you know what is used and what is forgotten.
AI makes mistakes. Read what Mind My Money shows you and correct what is wrong: what it does is your responsibility.
Every correction is kept and applied next month. The first month teaches it your banks and your shops; the second is the one worth having.
The things people ask at this point.
No. There is no bank feed and no connector. It uses the same web bank you already sign in to, in a browser on your own computer, so any bank you can reach that way works.
Some sites cannot be automated, and that is expected rather than broken. It tells you which, you download that statement yourself and drop it in the folder, and it carries on from there.
No — that is the point. Your Mac does need to be awake and online for it to make progress; it cannot work with the lid shut. Questions come to you as cards, and to your phone if you want them there.
It is built not to, fairly aggressively: it counts its rows against your statements, only calls a shop identified when the amount adds up, and leaves anything unresolved marked as unknown instead of guessing. A saving only counts once it has checked the company's own page, and you can check it too.
Usually because you were handed a general tool and left to build the workflow yourself. This is one job with the workflow already built — including the awkward parts, which are the two sections below.
Yes, and if you already live in a terminal, go ahead. That is how Mind My Money started, and it is that workflow with the sharp edges taken off: the browser automation set up for you, somewhere to steer it mid-run, questions that find you on your phone, and a report you can read. It exists so people who are not versed in Claude Code or Codex can still get the benefit.
Whatever you decide, including nothing — there is a slider. The AI is your own arrangement and is the real cost: a Claude or ChatGPT subscription.
The complete list of software Mind My Money works with.
Anything you can reach in a browser, it can reach. No bank connection to wait for, and nothing to move into a new app.
The model is plumbing, not the product. When something local or open is good enough to do this work, Mind My Money will use it and this section gets shorter.
What it needs from your computer.
A computer that stays awake. The work happens on your machine, in a browser window on it. It progresses whenever the lid is open, not while it's shut.
The agent step that reasons about your spending does go to a model. Which one, and under whose agreement, is your choice: your own Claude (Anthropic) or ChatGPT (OpenAI) subscription. Claude always runs on your own Claude subscription. Later we may also sell AI tokens for other models, such as open models, through our gateway.
With Claude, how long Anthropic keeps what it is sent depends on one setting in your Claude account. With model improvement off, its usual 30-day retention period applies; with it on, it may keep your sessions, de-identified, for up to five years for training. If you would rather have the shorter one, turn model improvement off in your Claude privacy settings. With ChatGPT, whether OpenAI may use what it is sent to improve its models is your ChatGPT data control “Improve the model for everyone”; turn it off if you do not want that.
Is it safe to let this near your bank?
The honest answer is: it is as safe as you decide to make it, and the decision is genuinely yours. The reason Mind My Money works with everything is that it drives a real browser using sessions you signed into — in a Chrome profile of its own, apart from your everyday one. That is real power, and power of that kind deserves plain language rather than reassurance.
While a session is open, the agent can read what you can read and click what you can click. It is instructed to fetch statements and to act only on what you approve, but the capability is there, so treat it like handing your unlocked laptop to a very fast, very literal assistant.
Which is why you get to draw the line yourself. Give it everything, or keep your bank to yourself and hand it only the statements you download. It works either way, and the second option still removes most of the work.
An agent that reads your inbox and browses shop and bank sites is reading text written by other people. Text can contain instructions aimed at the agent rather than at you — hidden in an email, a PDF, or a page. Mind My Money is scoped to reduce this, but no one in this industry has solved it, and anyone claiming otherwise is selling you something.
This is the one that matters most. Because Mind My Money legitimately asks you to approve bank logins, you will get used to tapping approve. Read every prompt. If it names an amount, a payee, or an action you did not ask for, reject it and stop the run. A strong-authentication prompt is a decision, not a formality.
It counts, it flags its gaps, it marks what it could not name, and it can still mis-read a receipt or name the wrong shop. Everything it produces is for you to check. Nothing here is financial, tax or legal advice.
Mind My Money runs on your computer, under your account, in a browser you signed into, at your instruction. You remain responsible for your own accounts, your own approvals and your own decisions — including anything the agent does with a session you authorised, and anything you approve when prompted.
The software is provided as-is, without warranty, and Augmented Mind AB accepts no liability for financial loss, a wrong cancellation, missed deadlines or unauthorised transactions arising from its use. It is not financial, tax or legal advice. If that trade isn't one you want to make, this isn't the right tool for you — and we'd rather say so here than after you've bought it.
Let it have a look at your spending.
It runs in the background, and when it is done you will know where the money goes. If it finds nothing to cancel, it will say so.