Everything Under the Hood
How Secure The Bag Works
Connect your bank. Our AI detects your bills and income automatically. An 8-week cash flow forecast builds itself from your real data. And you get alerts before problems happen — not after.
No spreadsheets. No data entry. No logging every coffee. Just the forecast you actually need.
The Core Feature
The 8-Week Cash Flow Forecast
This is the heart of Secure The Bag. A rolling forecast that starts from your real Plaid balance and projects forward through every bill, paycheck, and subscription — week by week, for the next 8 weeks.
What You See
- • Date, payee, and amount for every upcoming item
- • Running balance that updates after each item
- • Per-account filtering so you can focus on what matters
- • Inline adding — drop a new bill right into the forecast
Item Statuses
- Upcoming — hasn't happened yet, projected in your forecast
- Paid — matched to a real bank transaction
- Skipped — you marked it as not happening this cycle
- Cleared — confirmed and settled
- Overdue — expected date passed, no match found
Overdraft Warning
When your projected balance goes negative at any point in the next 8 weeks, you'll see a warning banner showing the exact date it happens. Not a vague "you might overdraft" — the specific day and amount so you can take action now.
Zero Data Entry
AI-Powered Transaction Matching
When a bill hits your bank account, Secure The Bag figures out which forecast item it belongs to and marks it as paid — automatically.
Exact Match
Amount and payee match perfectly. Auto-reconciled instantly.
Fuzzy Match
Close but not exact — slightly different amount or similar payee name. Scored and ranked.
Claude AI
When traditional matching can't figure it out, Claude AI analyzes the context and finds the right match.
89%
Average matching accuracy across all three tiers
How it works in practice
High-confidence matches are auto-reconciled — your forecast updates without you lifting a finger. Medium-confidence matches surface in your "Needs Attention" section for one-tap approval. You stay in control without doing the busywork.
Set It and Forget It
AI-Powered Recurring Item Detection
The moment you connect your bank, our AI scans your transaction history and finds every recurring charge — bills, subscriptions, income, debt payments, all of it. No manual entry required.
Frequencies Detected
Built for Irregular Income
Got a paycheck that hits "every two weeks, give or take"? We handle that. Our detection uses a 10-day variance tolerance — so even if your income isn't perfectly regular, we still catch the pattern and add it to your forecast.
Review, Then Relax
After detection, we present everything we found for your review. You confirm what's right, dismiss anything that's off, and we add the approved items to your forecast. From there, they generate automatically — every future occurrence is projected out for the next 8 weeks.
Your Money, in a Text
SMS Alerts & Commands
You don't need to open an app to stay on top of your money. We text you what matters, and you can text us back to ask questions.
Proactive Alerts
- ✓ Bill due reminders — heads up before auto-pays hit
- ✓ Overdraft early warnings — days before your balance goes negative
- ✓ Daily morning digest — start your day knowing your number
- ✓ Weekly spending recap — see where your money went
Interactive Commands
- → BALANCE — get your current balance on demand
- → "Can I afford $200 at Best Buy?" — we run the projection and tell you if it's safe
- → Receipt scanning — snap a photo and send it via MMS to log a purchase
"Standing in line at Target, wondering if I can grab that thing I need without messing up rent next week. I texted 'Can I afford $85 at Target?' and got a real answer in seconds. Not a guess — an answer based on my actual forecast."
— What using SMS commands feels like
Your Home Base
The Dashboard
Everything you need to know about your money, in one place. No digging through menus or hunting for information.
Account Cards
All your connected accounts grouped by type — checking, savings, credit cards, loans. See every balance at a glance.
Cash Available + Total Owed
Your total cash across all accounts and your total outstanding debt — the two numbers that actually matter, front and center.
This Week Preview
A quick snapshot of what's coming this week — bills due, income expected, and where your balance will land by Sunday.
Needs Attention
Overdue items, overdraft warnings, pending transaction matches — everything that needs your eyeballs, surfaced in one spot. No hunting.
Getting Started Checklist
New to Secure The Bag? Your dashboard includes a guided checklist that walks you through connecting your first bank account, reviewing detected bills, and understanding your forecast. You'll be up and running in minutes — no manual required.
Full Control
Bills & Income Management
AI handles detection, but you're always in control. Add, edit, or remove any recurring item and your forecast updates instantly.
Item Types
Frequencies
What Happens
Every time you add, edit, or remove a recurring item, your 8-week forecast regenerates automatically. No need to recalculate anything yourself — the numbers update in real time.
Ready to See Your Future?
Coming soon. Be the first to know when we launch.
Be the first to know when we launch.