Marcus Vance

@marcusvance

Fullstack dev & open-source tinkerer. Building AI-first developer workflows.

Community Pioneer

@marcusvance

Joined Feb 2026

Authored Blocks

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1,974

Upvotes Received

5,142

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100%

What you get

Everything your money needs, nothing extra

Four tools most households use every week, built to work together and stay out of your way the rest of the time.

A young pilea plant in a white pot by a window

Budgets that follow real life

Category budgets adjust to paydays and roll over unspent money, so a quiet month helps the next one.

Bills, never a surprise

Every bill and subscription due in the next 30 days, with a reminder two days before.

Goals with a date

Set an amount and a deadline. WiseOwl tells you what to set aside each payday.

Ask about your spending

Ask how much went on takeout in August and get an answer with the charges listed.

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Bento Features

Marcus Vance

Pricing

Simple plans for every household

Start free and upgrade when you need more. Every plan includes read-only bank connections and two-factor sign-in.

Free

For one person getting organised.

forever

2 linked accounts

10 budget categories

Bill reminders

Web and mobile apps

Plus

For individuals who want the full picture.

$7.99

per month

Unlimited linked accounts

Unlimited budgets and goals

50 receipt scans per month

75 AI questions per month

CSV and PDF export

Household

Three-Tier Pricing

Marcus Vance

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SSO-First Sign In

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Trend Cards

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WiseOwl

Household Pricing Developers

Plan

Budgets

Monthly limits by category

Savings goals

Amounts and dates that add up

Cash-flow forecast

The next 90 days, estimated

Track

Accounts

11,642 banks and credit unions

Bills & subscriptions

Every recurring charge in one list

Net worth

Assets and debts over time

Ask

Ask WiseOwl

Questions about your spending

Receipt scanning

Line items from a photo

New in 3.8

Shared goals for households

Track one goal with contributions from everyone in the household.

Read the release notes

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FAQ Accordion Section

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Preferences

Choose what WiseOwl tells you about and how the app looks on this device.

Notifications

Bill reminders

Two days before any bill or subscription is due.

Budget limits

When a category reaches 80% and 100% of its limit.

Large transactions

Any single charge over $250.00.

Weekly summary

A short recap every Sunday at 9:00 am.

Appearance

Theme

Follow your device or pick one.

Hide balances on open

Blur amounts until you tap them.

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Settings Panel

Marcus Vance

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Marcus Vance

Marcus Vance

Everything your money needs, nothing extra

Budgets that follow real life

Bills, never a surprise

Goals with a date

Ask about your spending

Bento Features

Simple plans for every household

Free

Plus

Household

Three-Tier Pricing

Create your free account

Sign Up

Sign in to WiseOwl

SSO-First Sign In

Where your money is moving

Trend Cards

Mega Menu Header

One money idea every Sunday

Newsletter Footer

One useful money idea, every Sunday

Subscribe Card

Questions people ask before joining

FAQ Accordion Section

Overview

Workspace Sidebar

$4,812.36

Dual Pane Sidebar

KPI Progress Card

Preferences

Settings Panel

Sign in

Sign In Card