No bank login. No aggregator.
Budgeting without handing over your bank login.
Almost every budgeting app makes you “connect your bank” through Plaid (or Yodlee, or MX) — which means handing your bank username and password to a third party that stores it and watches your transactions. GlidePath Money is built the opposite way: no aggregator, no credentials, no bank file on our servers.
Why “connect your bank” is the part people hate.
When an app routes through Plaid, three things happen: a third party ends up holding the keys to your bank, your transaction history sits in someone else’s cloud database, and you’re trusting two companies (the app and the aggregator) not to get breached or quietly monetize what they see. For a lot of people, that’s a hard no — and it’s why they end up budgeting in a spreadsheet instead.
How GlidePath gets your transactions — without Plaid.
A browser extension
Click “Download transactions” on Chase, Amex, Citi, or Bank of America like you normally would; the free extension catches the file and hands it straight to your local app. Your login stays between you and your bank.
CSV import (+ PDF capture)
Any other bank: download a CSV and drop it onto the Import page — the column mapper figures out the format and remembers it. Works with every bank that exports CSV, no integrations required. Statement PDFs are captured too, for balance-transfer details.
It all stays on your machine
GlidePath is a desktop app. Your transactions live in plain files on your own computer; importing them by CSV or the extension doesn’t send them to us. (The optional AI features send only the few fields you choose.)
Prefer Linux? GlidePath ships a native Linux build (.deb and tarball). Get the Linux build →
Even your credit-score breakdown — the five factors the scoring models weigh, mapped onto your own cards — is computed locally. No credit-report pull, no soft inquiry, no third-party score service.
No aggregator touches any of this — it’s your own numbers, organized around the published scoring factors, on your own machine.
The honest tradeoff.
No aggregator means no fully-automatic background sync.
With Plaid apps, transactions appear on their own (the cost being that an aggregator holds your login). With GlidePath you do a one-click capture through the extension, or drop in a CSV every week or two. A little more hands-on — but nobody ever holds your bank credentials, and a calm ten-minute check-in is the part that actually changes how you handle money.
And it’s a full planner, too.
Privacy isn’t the only reason to be here. GlidePath also does the forward-looking math most trackers skip: retirement Monte Carlo, your Tax Valley and Roth-conversion window, 0% balance-transfer countdowns, and a plain-English helper that explains any number without ever seeing your accounts. See the planning depth →
Budget without giving up your bank login.
$129 one-time for Personal, $199 for Personal + Business. Your financial file stays local by default — that’s the whole point.
GlidePath shows you the math — for your specific situation, talk to a fiduciary advisor or CPA.