Getting Started

After your transactions are imported, WunderBudget sends them in batches to Claude (an AI by Anthropic) along with your category list. Claude reads the merchant name, amount, and transaction type to assign the most likely category.

High-confidence assignments (85%+) are applied automatically and a merchant rule is saved so future transactions from the same merchant are categorized instantly without AI. Low-confidence items are flagged for your review.

A few types of transactions are genuinely ambiguous — paper checks, obscure merchant names, or transactions where the context isn't clear. These are left as "Unknown" and appear in the review queue for you to categorize manually.

Once you assign a category, a merchant rule is created and that merchant will be recognized automatically on future syncs.

Sync whenever you want to see your latest transactions — daily, weekly, or whenever you're checking your budget. WunderBudget only fetches what's new since your last sync, so it's fast after the first time.

Note: WunderBudget relies on Plaid to fetch transaction data. Plaid typically refreshes bank data every few hours, so very recent transactions may take a short time to appear.

Merchant rules are shortcuts that remember how you've categorized a merchant before. When a transaction comes in from a known merchant, WunderBudget applies the saved category instantly — no AI needed.

Rules are created automatically when the AI assigns a high-confidence category, or when you confirm a category during review. You can view and edit all rules in Settings → Merchant Rules. Changing a rule gives you the option to apply the new category to all matching transactions at once.

Yes. Go to Settings → Categories to add, rename, archive, or set monthly limits on any category. You can also import a custom category list from a CSV file using the download icon in the top right of the Categories screen.

The AI will automatically use whatever categories you have set up when categorizing new transactions.

On the Accounts tab, swipe left on any account and tap Disconnect to remove it entirely. If you have multiple accounts connected, transactions from all active connections will appear in your budgets and transaction list.

Yes. WunderBudget uses Plaid to connect to your bank — your credentials are entered directly into Plaid's secure interface and are never visible to WunderBudget. Transaction data is stored on AWS infrastructure with encryption at rest and in transit.

WunderBudget does not sell your data or share it with advertisers. See our Privacy Policy for full details.

Go to the Accounts tab, swipe left on the account you want to remove, and tap Disconnect. This immediately revokes WunderBudget's access to that account through Plaid. Your existing transaction history is not deleted.

You can also manage connected apps directly at my.plaid.com.

First, make sure you're using the email address and password you registered with. Passwords are case-sensitive.

If you've forgotten your password, tap Forgot password? on the sign-in screen. You'll receive a reset code by email — enter it in the app and choose a new password.

If you're not receiving emails, check your spam folder. Still stuck? Email us at support@wunderbudget.com and we'll sort it out.

A few things to check:

Pending transactions. WunderBudget only imports settled transactions — pending charges from your bank won't appear until they post, usually within 1-3 business days.

Plaid connection expired. Bank connections occasionally need to be re-authorized. If you see a warning on the Accounts tab, tap it to reconnect through Plaid.

Very recent transactions. Plaid refreshes bank data every few hours. Transactions from the last few hours may not be available yet.

If none of these apply, try disconnecting and reconnecting your bank on the Accounts tab. Your existing transaction history won't be deleted.

Authenticator app: Make sure your phone's clock is synced correctly — TOTP codes are time-based and will fail if your device clock is off. Check Settings → General → Date & Time and enable "Set Automatically."

SMS code: Check that you have cell service or a data connection. Codes expire after a few minutes — tap Resend if it doesn't arrive within 30 seconds.

You can switch between authenticator app and SMS at any time in Settings → Security inside the app.

Tap the transaction, tap the category, and select the correct one. You'll be asked if you want to apply that category to all transactions from the same merchant — tap Update all to fix past and future transactions in one step.

WunderBudget learns from every correction. That merchant will be categorized correctly on every future sync.

Every new account gets a 7-day free trial with full access to all premium features — no credit card required to start. You won't be charged until the trial ends.

At the end of the trial, you'll be prompted to subscribe to continue using premium features. If you don't subscribe, your transaction history and budgets remain accessible but bank syncing, Reports, and Net Worth will be paused until you subscribe.

Premium includes everything:

- All bank connections (checking, savings, credit cards)
- Full Reports suite: Spending Breakdown, Monthly Trends, Deep Dive, Credit Card Dashboard
- Net Worth tracking with manual asset entry
- All future premium features

Plans: $4.99/month or $44.99/year (save 25%).

WunderBudget subscriptions are managed through Apple. To cancel:

1. Open the Settings app on your iPhone
2. Tap your name at the top
3. Tap Subscriptions
4. Tap WunderBudget
5. Tap Cancel Subscription

You'll keep access to premium features until the end of your current billing period. Your transaction history and budgets are never deleted.

This is usually a sync delay between Apple and the app. Try these steps:

1. Open WunderBudget and go to Settings
2. Scroll to the bottom and tap Restore Purchases
3. If that doesn't resolve it, force-quit the app and reopen it

If you're still seeing the issue after a few minutes, email us at support@wunderbudget.com with your Apple ID email and we'll investigate right away.