Build any widget in plain English
"Show me what I'm spending on subscriptions I might be forgetting." A widget appears on your dashboard. Tap once, and it stays.
A finance app
built your way.
Ponder lets you build your own personal finance dashboard in plain English. No templates, no fixed categories — just tell Ponder what matters and watch it appear.
What it does
Track spending your way.
Ponder is the first personal finance app where the dashboard is yours to design. Type what you want to see — Ponder builds it.
Ask anything, change anything
"How does my grocery spend compare to last month?" Ponder answers with a chart. Tell it to rename your widgets, swap a metric, or rebuild the layout — all from chat.
Notifications that matter
Set the alerts you actually want: "tell me when I'm close to my dining budget" or "ping me when savings cross $2,000." No streak-shaming, no noise.
No templates, no assumed categories
Most apps decide how you should think about money. Ponder starts blank. The freelancer, the new parent, and the saver each end up with a different home screen — by design.
Read-only & private
Ponder links to your bank through Plaid — encrypted, read-only. We never store credentials, never train on your data, never run ads.
No setup, no scripts
The Claude + Plaid setup that developers rave about — without the Python, the API keys, or the two-hour configuration. Just download the app.
How it works
Type a sentence. Get a dashboard.
01
Connect your bank
Link your accounts through Plaid in just a few taps. Ponder uses read-only access to import transaction data — not to move money.
02
Tell Ponder what you want to see
Open the chat and describe a widget — "monthly subscriptions," "spending vs. last year," "alert me when I overspend on dining." Ponder builds it on the spot.
03
A dashboard that's actually yours
Your home screen reflects how you think about money — not how an app told you to. Edit it, expand it, or let Ponder proactively flag what matters.
Trust
Built like a vault. Talks like a friend.
Three boring but non-negotiable promises about what Ponder will and will not do with your data.
Read-only by design
Ponder cannot move money, open accounts, or change passwords. It can only see what you authorize, and only for as long as you authorize it.
Never trained on your data
Your transactions never become training data — for us or anyone else. We use them to answer your questions and build your widgets. That's it.
Yours to delete
One tap exports every byte we hold. One more wipes it. We do not keep shadow copies and we do not sell anonymized data.
Money tracking, your way.
Download Ponder and build your first widget in under two minutes. Available now on iOS and Android.