Stay on top of your money without all the legwork
One text a day tells you what you spent, what bills are coming, and what you can safely spend until your next paycheck. No apps. No spreadsheets. No nonsense.
See What Your Money Texts Look Like
Get a sample financial analysis text to see exactly how Krezzo keeps you informed about your spending. No signup required.
💰 Available Balance: $3,083.26
💳 This Month: $1,247.89
📈 25 transactions
📈 18% more than last month
🏷️ Top Categories:
1. Groceries: $347 (28%)
2. Restaurant: $286 (23%)
3. Gas: $134 (11%)
🏪 Top Merchants:
1. Publix: $234
2. Starbucks: $89
3. Shell: $67
Want to see YOUR real data?
👉 get.krezzo.com/sign-up
Takes 30 seconds • No signup required • See how it works
Managing your money shouldn't be frustrating
If you've ever felt any of this, you're not alone...
Why most money tracking tools don't work
Let's be honest about why you're still financially stressed despite trying everything...
📊 Spreadsheets are a headache
Who wants to maintain a spreadsheet just to know where their money went?
- • Requires Excel expertise most people don't have
- • Lots of setup for basic functionality
- • One wrong formula breaks everything
🏦 Finance apps are overkill
They promise the world, deliver complexity, then disappear.
- • Aggressive upselling at every turn
- • More expensive than most subscriptions you're trying to track
📝 Bank tools miss the mark
Siloed data with a lackluster user experience.
- • Only track what the bank lets you
- • Difficult to get meaningful insights
- • Dry and bland interfaces
What you really want is to be smart with your money without all the hassle
Meet Krezzo
Your lightweight partner in finance
How Does Krezzo Work?
Simple, automated, and powerful
1) Securely syncs your transactional data from your bank(s)
2) Intelligently identifies recurring bills, spending patterns, and income cycles
3) Automatically texts you bite-sized insights about your money
No apps to check, no spreadsheets to maintain, no banks to wrangle with.
Just the financial awareness you've been missing, delivered in a simple way.
The texts you actually get
One flagship daily report, plus eight more you can turn on. Preview each with your real data, subscribe only to what you want.
The Daily Report
Every day at 5 PM ETOne text that answers the question you actually have: "Am I okay? Can I spend today?"
- • Yesterday's transactions and your current balance
- • Spending pace on the merchants and categories you track
- • A daily spend limit computed from your real payday and the bills due before it
Morning Snapshot
Start the day knowing what bills are coming for the rest of the month and what was just paid.
Bills & Payments
Upcoming recurring bills with totals for the next 7, 14, and 30 days. No more surprise charges.
Merchant Pacing
Track spending at your frequent merchants and get flagged when you're pacing over your usual.
Category Pacing
Same idea for categories — see if groceries or restaurants are running hot before the month gets away from you.
Cash Flow Runway
A forecast to your next paycheck: bills due before then, projected spend, and whether you're on track.
Weekly Summary
Every Sunday morning: total spent, top categories and merchants, and a daily breakdown of the week.
Monthly Recap
On the 1st of each month: full month totals, top categories, weekly breakdown, and how you compared to last month.
Two-Way Texting
The texts aren't one-way. Reply STOP to pause instantly, HELP for commands, or ask a question and get a helpful response.
Powerful platform under the hood
The texts are simple because the dashboard behind them does the heavy lifting
Automatic Bill Detection
AI identifies your recurring bills, subscriptions, and payment patterns from transaction history — no manual entry
AI Merchant & Category Tagging
New transactions are automatically categorized and tagged every 15 minutes, consistently across accounts
Spending Pace Tracking
Pick the merchants and categories you care about and monitor month-to-date spend against your averages
Income & Paycheck Tracking
Krezzo learns your income cycles so runway forecasts and daily spend limits are anchored to real paydays
Trends & Behavioral Insights
See how your spending moves over time and spot the patterns behind it
Secure Bank Connections
Read-only account syncing through Plaid — the same connection your bank uses
Smart Search & Filtering
Find any transaction instantly — filter and sort your full history by merchant, category, amount, or date
Customizable Text Preferences
Preview every text type with your real data and subscribe only to the ones you want
How to get started
Just a few steps and you're in.
Sign up for free to create your account
Takes 2 seconds. We're not going to ask you a million questions.
Connect your bank
Via secure Plaid integration. Same thing your bank uses.
Start receiving texts!
Adjust as you wish... what you spent, what's coming, and more. Done.
Stop flying blind with your money
Start getting daily financial awareness that actually works. No apps, no spreadsheets, no BS.
Get Started FreeCommon Questions
Everything you need to know about Krezzo
Is this really secure? I'm giving you access to my bank account.
Absolutely. We use Plaid, the same secure connection your bank uses. We sync your transactions but can't touch your money, make transfers, or access your account details. It's read-only access, just like when you check your balance online.
I don't want to be spammed with texts all day. How often do you send them?
You choose. The core daily report goes out at 5 PM Eastern, with optional morning, weekly, and monthly texts on top. Every text type can be previewed and toggled individually — subscribe to one or all nine. No spam, no random alerts.
What if I don't like it? Can I cancel?
Yes, cancel anytime with one click — or just text STOP to pause the texts instantly. No contracts, no hidden fees, no hassle. We want you to love it, but if you don't, we'll make it easy to leave. Your data is deleted when you cancel.
My bank isn't listed. Can I still use this?
We support over 11,000 banks and credit unions through Plaid. If your bank isn't supported, we'll help you find an alternative or work with you to add it. Most major banks, credit unions, and even some international banks are covered.
I already have a budgeting app. Why do I need this?
Budgeting apps require you to open them, categorize transactions, and maintain spreadsheets. We do the work for you and deliver insights via text. No app to remember, no manual work, no complex interfaces. Just awareness without the effort.
Can I ask questions about my spending?
The texts are two-way. Quick commands work instantly — STOP to pause, START to resume, HELP for options. You can also reply with questions and get a helpful response that points you to the right place in your dashboard. Your detailed numbers live there.
I'm not good with money. Will this actually help me?
That's exactly why we built this. You don't need to be "good with money" - you just need awareness. Our texts show you patterns you didn't see before, like "You spent $200 on coffee this month" or "Your subscription costs are up 30%." Knowledge is power.
What if I get charged for something I didn't buy?
Because you see yesterday's transactions every day, unknown charges surface immediately instead of weeks later on a statement. Early detection can save you hundreds in fraudulent charges.
I'm worried about privacy. What data do you collect?
We only collect transaction data to send you insights. We don't sell your data, share it with third parties, or use it for advertising. Your financial information stays private and secure. We're in the awareness business, not the data business.
Do I have to take all nine text types?
No — every text type is opt-in. From your dashboard you can preview each one with your own real data, then subscribe to only the ones you find useful. Change your mix anytime.
Start taking control of your money
Get daily financial insights that actually work. No apps, no spreadsheets, no BS.
Sign Up TodayFree to start • No credit card required • Cancel anytime