# KernelCash

> KernelCash is a privacy-first budgeting web app. Instead of linking your bank, you upload OFX or QFX files you download from your bank's website. KernelCash never asks for bank credentials and will never sell your data. There is one plan, Pro, at $7.99/month or $69.99/year, with a 1-month free trial.

KernelCash turns uploaded OFX and QFX files into budgets with Income, Expense and Savings buckets, cashflow analytics, and goals with rollover. Budgets can be shared in Spaces with unlimited collaborators at no extra cost. It never stores routing numbers or full account numbers, and raw import files are deleted after processing.

## Product

- [Features and how it works](https://kernelcash.com/features/): budgets, OFX/QFX imports, transactions, analytics, goals and Spaces
- [Full factual summary](https://kernelcash.com/llms-full.txt): everything on this site in plain text

## Pricing

- [Pricing](https://kernelcash.com/pricing/): one plan, $7.99/month or $69.99/year ($5.83/month, save 27%), 1-month free trial, card required to start the trial

## Privacy

- [Privacy and Security](https://kernelcash.com/security/): no bank linking, no routing or full account numbers, raw files deleted after processing, never sells data

## Compare

- [KernelCash vs YNAB](https://kernelcash.com/pricing/#vs-ynab)
- [KernelCash vs Monarch Money](https://kernelcash.com/pricing/#vs-monarch)
- [KernelCash vs Copilot Money](https://kernelcash.com/pricing/#vs-copilot)
- [KernelCash vs Quicken Simplifi](https://kernelcash.com/pricing/#vs-simplifi)
- [KernelCash vs EveryDollar](https://kernelcash.com/pricing/#vs-everydollar)

## Support

- [FAQ](https://kernelcash.com/faq/): importing, privacy, pricing, trial and features
- Email: support@kernelcash.com

## Optional

- [About](https://kernelcash.com/about/)
- [Privacy Policy](https://kernelcash.com/privacy/)
- [Terms of Service](https://kernelcash.com/terms/)