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Frequently Asked Questions
Getting Started
How do I connect my bank account?
After signing up, go to the Accounts section and click "Add Account". You'll be guided through a secure connection process powered by Plaid or SimpleFin. Search for your bank, enter your credentials (we never see these), and all accounts from that institution will be linked under a single connection. You can also add manual transactions for cash or unsupported accounts.
Which banks are supported?
We support over 10,000 financial institutions in the US and Canada, including all major banks, credit unions, and credit card companies. If your bank isn't listed, contact us and we'll look into adding it.
How often do transactions sync?
Accounts sync automatically once per day. You can also manually trigger a sync anytime from the Accounts page. New transactions typically appear within a few hours of posting to your bank.
How far back does transaction history go?
When you first connect a bank, the last month of transactions typically appears very quickly (often immediately). However, older transaction history can take 2–4 weeks to fully sync. Most banks provide 3 to 6 months of past transactions, depending on the institution. Some may provide more.
Security & Privacy
Is my financial data secure?
Yes. All sensitive financial data — transaction amounts, names, merchant details, and account balances — is encrypted at the column level in our database using AES-256-GCM. This means each field is individually encrypted. Even if the database were compromised, your financial data would remain unreadable without the encryption keys, which are stored separately. Your bank login credentials are never stored by us — they're handled securely by Plaid and SimpleFin, trusted services used by Venmo, Robinhood, and thousands of other financial apps.
Can TT Budget access my money?
No. We have read-only access to view your transactions and balances. We cannot move money, make payments, or perform any transactions on your behalf.
Can employees see my transactions?
Because transaction data is encrypted at the column level, even direct database access does not reveal your financial information. The raw database contains only encrypted ciphertext. Any operational access to decrypted data requires the application’s encryption keys and leaves an audit trail. We take a zero-trust approach to your financial privacy.
Billing & Account
How much does TT Budget cost?
TT Budget costs $1/month plus $0.50 per bank connection. A single connection covers all accounts from one institution (checking, savings, credit cards). For example, connecting Chase and Capital One = $1 + (2 × $0.50) = $2.00/month. See our pricing page for details.
How do I cancel my subscription?
You can cancel anytime from Settings → Billing. When you cancel, your subscription is marked to end at the close of your current billing period. You keep full access until then and won’t be charged again after that date. Your usage for the current period has already been billed, so there are no additional charges upon cancellation.
Can I share my account with family members?
Yes! You can invite household members to join your account. They'll be able to view shared accounts and budgets. The account owner pays for all connected banks, but household members don't pay extra.
Troubleshooting
My bank connection stopped working
Sometimes bank connections need to be refreshed, especially after changing your bank password. Go to Accounts, find the affected connection, and click "Reconnect". If the issue persists, contact our support team.
Transactions are missing
Pending transactions may take 1–3 days to appear. When you first connect a bank, the last month of transactions usually syncs immediately, but older history (typically 3–6 months) can take 2–4 weeks to fully appear as the bank makes it available. If transactions are still missing after that, try reconnecting your account from the Accounts page.
A transaction is categorized incorrectly
Click on any transaction to change its category. Once you recategorize a transaction from a merchant, future transactions from that merchant will use your preferred category.