A private money dashboard that knows where it went. Budgets, bills and receipts, on your pay cycle.
A bearing is the direction from where you stand to where you are going.
You cannot set one without knowing your position first. Bearings starts there: where the money went, where you stand, and what comes next.
The balance is lower than you expected, and the statement will not tell you why.
Receipts and statements become reviewable transactions.
Forward the alert email your bank already sends you. It lands as a reviewable transaction — no inbox access, no bank passwords, ever.
Fix one merchant's category and every future one lands right. Your rules beat any guess.
One number each morning: what the budget can still give you per day, plus a calendar that shows exactly which days ate the money.
Set a card's limit once and watch utilization as you spend — know what to pay before the statement even prints.
The 25th to the 24th, if that is how you are paid.
Recurring charges, watched automatically. A warning lands before the next one hits, while there is still time to cancel.
Answers from your real ledger. It never moves money.
No ads, no selling. Your ledger is scoped to your account, your keys are encrypted at rest, and your uploads are yours to delete.
Snap it, forward it, or type it. Everything lands as a draft.
Review drafts against your categories and cycle. One tap per row; the ledger, the pie, and the bills radar update together.
It answers from your ledger with tools, not vibes.
The automation apps ask for your Gmail and filter your mail on their servers. Bearings does the opposite: there is no inbox connection at all, and nothing to revoke.
Your bank already emails you every transaction. Forward it to your own ingest address, and that single email is the only thing we ever see.
Row-level security means the application physically cannot read another account's rows. Secrets are envelope-encrypted at rest; a database dump alone decrypts nothing.
Bearings displays money, it never moves it. Compass proposes writes you approve one by one, and every agent action lands in an audit trail you can read.
Every line of this section has a longer, evidence-backed answer on the trust page.
One number every morning: what the budget can still give you today. The calendar shows exactly which days ate the money, tap a day to see what went out.
Darker means heavier spend. Today is outlined. The bills radar pings you two days before a subscription charge lands.
| Bearings | Spreadsheet | Budgeting apps | |
|---|---|---|---|
| Private by default, no ads | Yes | Yes | No |
| No inbox or bank connection required | Yes | No | Varies |
| Publishes how your data is held, line by line | Yes | Varies | Varies |
| Learns your pay cycle, not the calendar | Yes | No | No |
| Receipts and alerts become reviewable transactions | Yes | No | No |
| Your corrections become standing rules | Yes | No | Varies |
| Safe-to-spend today, from your real budget | Yes | If you build it | Varies |
| Card utilization before the statement | Yes | No | Varies |
| Assistant that answers from your ledger | Yes | No | Varies |
| Sums that always add up | Yes | If you build it | Varies |
| Cancels in-app, takes effect immediately | Yes | Yes | No |
One price, no meters to watch. The free tier is the whole product; Keeper is the same product, unlimited, hosted, and first in line for everything we ship next.
Hosted AI on Keeper is subject to fair use: an hourly rate limit and a monthly budget that refreshes. Payments are handled by Polar, our merchant of record.
Your ledger is scoped to your account, your keys are encrypted at rest, and your uploads are yours to delete. No ads, no selling.
No. The free tier includes 100 Compass messages a month, and Keeper includes hosted AI with no key required.
No. Bearings displays money, it never moves it.
All of them, in a way: Bearings never connects to a bank. Forward the alert email your bank already sends, upload a receipt or statement, or type them in.
No. There is no inbox connection and nothing to revoke. You forward an alert yourself; that single email is all we ever see.
Not needed, by design. Apps that connect to your inbox must pass Google's CASA assessment because they hold that power. Bearings never asks for it, so there is nothing to certify and nothing for you to worry about.
Yes. Cancel in-app and it takes effect immediately.