What is prowl?

Prowl answers one question: where does your money actually go? You give it your bank statements. It turns them into clean, sorted transactions and honest reports, and it does nearly all of the work itself.

How it works

• Export statements from your bank — any bank, any file type (PDF, CSV, Excel), any currency.
• Drop them in. Prowl reads them, converts foreign amounts at the rate that applied on the day of each transaction, and throws out the duplicates.
• It sorts your spending, finds the transfers between your own accounts, matches refunds to what they refunded, and spots your subscriptions.
• Anything it isn't sure about becomes one question with a yes or no. It never guesses, and it never asks you the same thing twice.

It is built for more than one currency

Most budgeting apps assume one country and one currency. Prowl converts every transaction at its own day's rate, keeps the original amount forever, and refuses to guess a rate it can't verify rather than quietly using the wrong one. If you live between countries, this is the part nothing else does properly.

It does the tedious work, not you

Categorise a shop once and every future transaction from that shop follows, forever. Transfers between your own accounts, credit-card bill payments and currency exchanges are found and kept out of your spending automatically — because paying your own card is not an expense, and an app that counts it as one is lying to you.

Nothing is ever deleted

Prowl never throws a transaction away. Anything excluded from your totals is greyed out where it sits, with the reason shown, and one click puts it back. Your numbers agree with each other on every screen because they are all computed the same way.

It will tell you why

Wherever Prowl has decided something, there is an eye you can click to see what it decided and what it read to decide it. It is not a black box, and it never asks you to trust a number you can't check.

No bank login required

Prowl reads files you export yourself. There is no bank connection to authorise and no bank password to hand over, so there are no bank credentials for anyone to steal. How prowl protects your data →

What it doesn't do yet

Being straight with you about this is the point:

• Automatic bank syncing isn't built. Statement upload is the only way in today. Connecting banks directly — through Plaid, so your bank login never touches prowl — is planned, and uploading will always stay an option for people who'd rather not link anything.
• There is no price yet, because prowl isn't open to the public yet. It will be paid, with no adverts and without selling anything about you — a budgeting app funded by advertising has the wrong incentives from the first line of code.
• It never emails you beyond your invite and the link that sets up a new device. No newsletters, no digests, no notifications asking you to come back.