Stripe, PayPal, Venmo, Zelle, client ACH, checks — SwipeWise adds up all of it, nets out the transfers between your own accounts, and shows what you actually made this month. Plus the exact payment to clear a 0% card before interest hits — and a heads-up before any card autopay would bounce.
Not another budgeting app built around a salary. SwipeWise is built for irregular income from a dozen places, personal and business accounts side by side, and 0% cards you're floating.
SwipeWise watches every card's autopay against the cash you actually have. If the full statement won't clear, it warns you in time to drop that month to the minimum — so you stay current instead of eating a returned-payment fee, a late fee, and lost 0% grace. Set-and-forget autopay, minus the one bad month that wrecks it.
Every deposit — processors, marketplaces, peer apps, client ACH, checks — pulled into one income view. Mark what's real income vs. a transfer once, and SwipeWise remembers it.
Moving money from business to personal isn't income. SwipeWise nets out transfers between your own accounts so nothing's double-counted — you see what really came in and went out.
Tag a bank or a card business or personal once and every charge inherits it. SwipeWise even scans for business expenses hiding in your personal accounts — that MacBook, that Adobe bill — and suggests them for one-tap tagging, learning your merchants as it goes. Come tax time, the split is already done.
Set a card's intro-APR end date and SwipeWise does the math: the exact monthly payment to hit zero before interest kicks in, recalculated as your balance moves, with a live countdown.
Every number says what it covers. Income as last month vs. this month to date. Spending by 30 days, this month, 90 days, or all time — never a mystery total.
Connect each bank and card once. Checking, savings, business sub-accounts, and credit lines land in a single dashboard — no more hopping between banking apps.
A clean summary in your inbox every week — balances, net cash flow, top income and spending, and every payoff countdown — so nothing sneaks up on you.
If your income shows up from six different apps and you're floating a 0% card, SwipeWise keeps the full picture — what's coming in, what you owe, and when interest starts — in front of you. Tell us how you get paid and we'll build for it.