The app that looks forward, not backward
Stop Guessing.
Know Your Real Number.
Your bank balance says $800. But rent hits Friday, your phone bill auto-pays Tuesday, and that check still hasn't cleared. So what can you actually spend today?
Secure The Bag builds an 8-week cash flow forecast from your real bank data — so you see every bill coming, know exactly what's left, and never get caught off guard again.
Coming Soon
Be the first to know when we launch.
We've Been There.
You finished a 14-hour day. You've got rent on the 1st, your car payment on the 5th, and you're waiting on a check that "should be here by Friday." You're doing math in your head at 11pm trying to figure out if you can put gas in your car tomorrow without something bouncing.
You're not bad with money. You're juggling three gigs, two accounts, and a paycheck that hits different every week — while your bills don't care.
Budgeting apps want you to log every coffee. Banks alert you when you're already negative. None of that solves the real problem: you need to see what's coming, not just what's here.
The Feature Nobody Else Has
See the Next 8 Weeks of Your Money
A rolling forecast that starts from your real bank balance and projects forward through every known bill and paycheck — showing you exactly when you'd overdraft, days before it happens.
Cash Flow Forecast
Starting Balance: $1,247.00| Date | Description | Amount | Balance |
|---|---|---|---|
| Apr 4 | Spotify | -$10.99 | $1,236.01 |
| Apr 5 | Car Payment | -$385.00 | $851.01 |
| Apr 8 | Freelance Payment | +$1,200.00 | $2,051.01 |
| Apr 10 | Phone Bill | -$85.00 | $1,966.01 |
| Apr 15 | Rent | -$1,800.00 | $166.01 |
| Apr 18 | Car Insurance | -$195.00 | -$28.99 |
Overdraft Warning: Your balance goes negative on April 18 — 14 days from now
Simple Setup
Up and Running in Minutes
Sign Up
First name, email, password. That's it. No credit card, no commitment.
Connect Your Bank
Link your accounts through Plaid — the same tech behind Venmo and Coinbase. We never see your login.
AI Finds Your Bills
Our AI scans your transaction history and detects every recurring bill, subscription, and paycheck. You review and approve — zero manual entry.
See Your Future
Your 8-week forecast builds itself. You'll know exactly what's coming, what's left, and whether you need to make a move.
Everything Working for You. Nothing to Maintain.
Zero data entry. The AI handles matching, tracking, and alerting — you just make the decisions.
AI-Powered Matching
When a bank transaction comes in, our AI automatically matches it to the right forecast item. 89% accuracy. No manual reconciliation — it just works.
SMS That Actually Helps
Text us "Can I afford $200 at Best Buy?" and get an instant answer — we'll run the projection and tell you if it changes your overdraft date. Morning digests, bill reminders, and overdraft warnings too.
Overdraft Prediction
We flag the exact date your balance goes negative — days before it happens. Enough time to move money, skip a purchase, or pick up an extra shift.
Irregular Income? Built for It.
Day rates, gig payments, freelance checks that show up "whenever" — our AI detects your actual income patterns, even with 10-day variance. No neat bi-weekly paycheck required.
Receipt Scanning
Snap a photo of a receipt and text it to us. AI reads the merchant, amount, and date — then creates a forecast entry automatically. No typing.
All Your Accounts. One View.
Checking, savings, credit cards, loans — connect everything. See your total cash available, total owed, and this week's forecast at a glance.
You've Tried the Others. Here's What's Different.
Most finance apps track what you already spent. Secure The Bag shows you what's about to happen.
| Feature | Monarch $9.99/mo |
YNAB $14.99/mo |
Simplifi $5.99/mo |
STB $6.99/mo |
|---|---|---|---|---|
| 8-week forecast | No | No | No | Yes |
| SMS "Can I afford X?" | No | No | No | Yes |
| AI auto-matching | Partial | No | No | Yes |
| Zero data entry | Partial | No | No | Yes |
| Overdraft prediction | No | No | No | Yes |
| Irregular income support | No | No | No | Yes |
Other apps look backward. Secure The Bag looks forward.
One Plan. Everything Included.
No tiers, no feature gates. You get the full app from day one.
$6.99/mo
$59.99/yr
~$5/month — save 29%
- ✓ 8-week cash flow forecast — see every bill and paycheck coming
- ✓ AI-powered matching — bank transactions auto-matched to your forecast
- ✓ SMS alerts & commands — "Can I afford $200?" answered instantly
- ✓ Overdraft prediction — know the exact date before it happens
- ✓ Unlimited bank connections — checking, savings, credit cards, loans
- ✓ AI bill detection — finds every recurring charge automatically
- ✓ Cancel anytime — no contracts, no hassle
Coming soon. Be the first to know.
Still cheaper than one overdraft fee. Banks charge an average of $35 per overdraft. Secure The Bag pays for itself the first time it saves you from one.
Bank-Level Security
We use Plaid to securely connect to your bank — the same technology used by Venmo, Coinbase, and thousands of other financial apps. We never see or store your bank login credentials.
Your data is encrypted and protected. Always.
Coming Soon
Your Bills Don't Wait.
Neither Should You.
See the next 8 weeks of your money. Know your real number. Make your call.
Be the first to know when we launch.