M3 Finance

Connect your accounts, categorize transactions, and get actionable insights. All in one place.

How it works

1. Setup Your Budget

Create the budget categories that matter to you, set your limits, and let M3 track your spending against them.

2. Connect Your Bank

Automatically upload your transactions securely through Plaid. M3 will categorize them and keep everything up to date without you lifting a finger.

3. Act

Track budgets, manage paybacks, and get suggestions powered by OpenAI.

Features

Automatic categorization
Smart rules and manual overrides

Shared paybacks
Easily settle debts with friends

Budget tracking
Visualize spending vs goals

Private & secure
We store minimal data and use secure providers

APIs & Tech

Plaid

Used to securely connect bank accounts and fetch transactions. Tokens are stored server-side and exchanged safely.

MongoDB

Persistent storage for users, transactions, budgets, and payback records. The backend uses a lightweight schema designed for fast queries.

OpenAI

Used for classification assistance and generating helpful suggestions. Requests are made from the server; only minimal, necessary data is sent.

Quick overview

Money3 integrates secure financial connections (Plaid), stores data in MongoDB for fast retrieval, and enriches transaction categorization with OpenAI. The API routes in the app handle auth, transactions, paybacks, and webhook events.