What is Shayr?
Shayr is a comprehensive personal finance management application designed to provide users with complete control over their financial situation. The platform connects to thousands of bank accounts through Plaid integration, automatically syncing transactions and account balances without storing user credentials. Users can view all their financial accounts in one centralized dashboard, track spending patterns, set smart budgets based on historical data, and monitor recurring bills and subscriptions.
The application offers AI-powered financial insights through a chat interface, allowing users to ask questions about their spending trends, budget gaps, and potential savings opportunities. Shayr supports various user scenarios including individual users, couples sharing finances, and families managing household budgets together. The platform emphasizes security with AES-256 encryption and leverages industry-standard Plaid technology for bank connections.
Features
- Bank Sync: Connect checking, savings, credit cards, and investment accounts from thousands of banks using Plaid integration
- Spending Dashboard: View all transactions across accounts with filtering by time period, merchant, category, or amount
- Smart Budgets: Create budgets based on actual spending history with rollover functionality and spending alerts
- AI Financial Insights: Chat with AI about spending trends, budget gaps, and savings opportunities using various AI providers
- Investment Tracking: Monitor investment accounts with holdings by ticker, price changes, gain/loss calculations, and asset allocation
- Recurring Bills: Automatically detect and track subscriptions and recurring charges for complete monthly commitment visibility
- Cash Flow View: Analyze income versus spending patterns month over month for comprehensive financial flow understanding
- Savings Goals: Set and track progress toward financial goals with visual progress indicators and planning tools
Use Cases
- Personal finance management for individuals tracking spending and budgets
- Couples managing shared finances while maintaining individual account privacy
- Families coordinating household budgets and financial goals
- Investment portfolio monitoring and performance tracking
- Subscription and recurring bill management to avoid surprise charges
- Financial goal setting and progress tracking for savings objectives
- AI-powered financial analysis and spending pattern insights
FAQs
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What security measures does Shayr implement for user data?
Shayr uses AES-256 encryption for all sensitive data at rest and partners with Plaid for bank connections, ensuring bank login credentials are never stored by Shayr. The platform follows the same security standards used by major financial institutions. -
Can I use Shayr without sharing finances with others?
Yes, Shayr works perfectly for individual users with all core features including spending tracking, budgets, investment monitoring, and AI insights available for solo use. Sharing features with partners or family members are completely optional. -
What happens after the 14-day free trial ends?
After the 14-day trial, users can choose to subscribe to either the Bussin or GOAT plan, or the app reverts to a limited free mode with basic features. No charges occur unless a subscription is actively chosen. -
Which financial institutions does Shayr support?
Shayr supports over 10,000 financial institutions through Plaid integration, including major banks like Chase, Bank of America, Wells Fargo, Citi, Capital One, American Express, and investment platforms like Fidelity and Robinhood. -
Is Shayr available on Android devices?
Currently Shayr is only available for iOS (iPhone) devices. Android development is planned for the future, and users can contact support to be notified when the Android version launches.
