Features built for how you actually budget
AmberLark is a budgeting application that connects to your bank accounts, syncs transactions automatically, and uses AI to categorize your spending. Every feature listed here is live and working today.
Automatic bank sync from 11,000+ institutions
Connect your checking, savings, and credit card accounts. AmberLark syncs transactions daily using Plaid, so your data is always current without manual entry.
- Read-only access — AmberLark never moves money or initiates payments
- Multiple accounts per bank — connect everything in one place
- Connection health monitoring — get notified if a connection needs attention
- Pending and posted transactions — see charges before they finalize
Financial institutions supported via Plaid
AI categorization that learns from you
Every time you assign a transaction to a category or budget, AmberLark's AI remembers. Over time, it automatically handles the transactions you would have categorized yourself.
- Learns by budget, not just category — more precise than keyword rules
- Shared learning — organization-wide mappings benefit all members
- Confidence scoring — only applies when it is confident in the suggestion
- Full audit trail and undo — review and reverse any auto-applied change
Two budget types for how money actually works
Monthly groceries behave differently than an annual insurance premium. AmberLark handles both.
Traditional Budgets
Recurring allocations tied to specific dates. Set $500/month for groceries and track it against actual spending every period.
- Recurring allocations with date-based items
- Rollover unused amounts
- Batch generation via recurrence patterns
Pool Budgets
Lump-sum allocations over any date range. Set $2,000 for Q1 travel and draw from the pool as you spend.
- Flexible date ranges (weekly to annual)
- Track remaining balance in real time
- Link to fiscal periods or custom ranges
Powerful transaction management
Beyond simple categorization, AmberLark gives you full control over how transactions map to your financial picture.
Transaction Splits
Split a single transaction across multiple categories or budgets. A Costco trip can be part groceries, part household supplies.
Bulk Actions
Select multiple transactions and assign categories, budgets, or review statuses in one action.
Duplicate Detection
AmberLark identifies potential duplicate transactions so you can resolve them before they skew your reports.
Merchant Normalization
Raw bank descriptions are cleaned up into readable merchant names automatically.
Reports that tell you what matters
No dashboards full of vanity metrics. AmberLark shows you planned vs. actual spending and where the money went.
Budget vs. Actual
See variance for every budget: how much you planned, how much you spent, and where you're higher or lower than planned.
Profit & Loss
Income vs. expenses by category with hierarchical breakdowns. Know your net position at a glance.
Transaction Explorer
Search, filter, and page through all your transactions. Export for external use or review in detail.
Multi-user organizations
Create an organization and invite your partner, family members, or team. Everyone sees the same budgets, categories, and transactions.
- Owner and Member roles with appropriate permissions
- Shared AI learning — everyone's categorizations improve the model
- Organization switcher for users in multiple groups
Security you can trust
Your financial data deserves serious protection. AmberLark is built with security at every layer.
- Read-only bank connections via Plaid (no Auth product)
- Two-factor authentication (TOTP) with backup codes
- Object-level permissions and CSRF protection
All features included on every plan
No feature gating. The only difference between plans is the number of bank connections.