Powerful features for managing your checking account
Everything you need to track credit card payments, bills, and income from your checking account.
Account Management
Keep all your financial accounts organized in one place.
- Multi-account support
- Real-time balance tracking with full history
- Drag-and-drop account reordering
- Quick inline balance editing (double-click to update)
- Bank logo display for major institutions
- Archive inactive accounts while keeping history
Routines
Set up your credit card payments, bills, and income once. Less Panic handles the rest.
- Three types: Expense, Income, and Internal transfers
- Flexible frequencies: Daily, Weekly, Biweekly, Monthly, Semi-Monthly, Quarterly, Annually
- Category organization: Credit Card Payment, Bill, Debt Payment, and more
- Date range control with start and end dates
- Closing day tracking for credit card billing cycles
- Automatic lineup generation each month
What's Coming
View projected balances and upcoming payments with multiple layout options.
- Table View: Accounts as columns, dates as rows (great for desktop)
- Column View: Card-based layout (perfect for mobile)
- Monthly navigation with future planning up to 1 year
- Today indicator and projected balances
- Color-coded account health (green/yellow/red)
- Completion percentage tracking
Insights
Understand your spending patterns with powerful analytics.
- Income vs Expense trend charts
- Category breakdown with pie/donut charts
- Flexible date ranges: 3m, 6m, YTD, 12m, or custom
- Net cash flow analysis
- Internal transfers excluded from totals for accurate reporting
AI Statement & Bill Detection
Forward credit card statements and bills to your unique email address. AI extracts the details automatically.
- Get your unique forwarding email address
- Forward from any email provider (Gmail, Outlook, etc.)
- AI extracts amount, due date, and payee automatically
- Review and edit before saving as a routine
- Works with any format - credit card statements, utility bills, invoices
- Emails automatically deleted after 14 days for privacy
Powerful Integrations
Connect your accounts and let Less Panic do the heavy lifting.
LunchMoney Integration
Sync balances from your LunchMoney account.
- Connect using your LunchMoney API key
- Automatic daily sync + on-demand manual sync
- Auto-complete lineup items when transactions match
- Works with any banks connected to LunchMoney
- Great if you already use LunchMoney for budgeting
Plaid Bank Connection
Direct bank connection coming soon.
- Connect directly to 13,000+ financial institutions
- Automatic daily sync + on-demand manual sync
- Auto-complete lineup items when transactions match
- Encrypted token storage
- 🔜 Coming Soon - Use LunchMoney in the meantime
Email Statement & Bill Detection
Forward credit card statements and bills to your unique address. AI extracts the details.
- Unique forwarding address for each user
- AI-powered extraction using LLM
- Extracts amounts, due dates, and payee info
- Works with any email provider
- Emails auto-deleted after 14 days
- Email notifications for success/failure
Security First
- Password + Google OAuth login options
- Two-factor authentication (TOTP) with any authenticator app
- Trusted device management
- Bcrypt password hashing
- Encrypted integration credentials
- CSRF protection on all forms
- Rate limiting on sensitive operations
Great User Experience
- Dark/Light/System theme modes
- Timezone support (all times localized)
- Mobile-first responsive design
- Infinite scroll pagination
- Real-time form validation
- Password strength meter
Ready to try Less Panic?
Start your 30-day free trial and see how easy it is to track your checking account.
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