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No. Finsemble has read-only access to your bank data through Plaid. We can only view your balances and transactions, we can never move money, make payments, or initiate transfers.

Your financial data is written to a Google Sheet in your own Google Drive. You own this file completely. Our backend temporarily processes data during sync but does not permanently store your transactions.

Yes. Bank authentication is handled entirely by Plaid, we never see your bank login credentials. Data in transit is encrypted with TLS/SSL. Our backend runs on Google Cloud's enterprise infrastructure. See our Privacy Policy for full details.

Finsemble connects to 12,000+ financial institutions through Plaid, including most major US banks, credit unions, credit cards, and investment accounts.

You can disconnect bank accounts from the Finsemble app at finsemble.app. This revokes the Plaid connection and stops future syncs from that institution.

Contact us at and we'll delete your account data, revoke Plaid tokens, and remove your Firestore records. Your Google Sheet will remain in your Drive unless you delete it yourself.

Your sheet stays in your Drive with all the data synced up to that point. It's a standard Google Sheet, it continues to work normally. You just won't receive new syncs.

Every sync rebuilds your entire sheet from scratch — all tabs, all formatting, all formulas. This ensures your sheet is always accurate and up to date, but it takes a few seconds to complete. If you need a faster update, use the ⚡ Express Sync button on your sheet — it updates only your core tabs (transactions, balances, and dashboard) and completes roughly twice as fast.

Each plan includes a daily limit for manual syncs: Free: 0, Lite: 2, Starter: 5, Pro: 40. Once you’ve used your daily allowance, the sync button is disabled until midnight. Your sheet still syncs automatically every day regardless of your manual sync usage. Need more manual syncs? Upgrade your plan →

If your sheet hasn't updated when you expected, check three things:

First, look for a "Reconnect required" banner. If a bank connection has expired, syncs from that institution are paused until you reconnect.

Second, check your auto-sync schedule. Syncs run on a scheduled cadence, not continuously. Auto-sync runs at the times you've configured (or once overnight for Lite and Starter plan users). If you're between scheduled runs, your data won't refresh automatically.

Third, check your plan status. If your trial has ended without an active subscription, syncing is paused even though your sheet stays in your Drive.

You can always click "Sync now" in the app or sidebar to force an immediate update, subject to your plan's daily manual sync limit.

Bank connections through Plaid sometimes need to be refreshed, typically every 90 to 180 days depending on your bank's policy. When this happens, you'll see a "Reconnect required" notice in the Finsemble app and in the sidebar add-on.

Click the Reconnect link next to the institution showing the warning. You'll be taken back through Plaid's secure authentication flow with that bank, which usually takes under a minute. Your existing data in the sheet is not affected. Once reconnection is complete, future syncs resume automatically on the next scheduled run.

Click "Add institution" in the sidebar add-on or in the Finsemble app. You can connect bank accounts, credit cards, brokerage accounts, or loan accounts. Each connection goes through Plaid's secure flow.

An "institution" means one company. For example, Chase counts as one institution even if it includes your checking account, savings account, and credit card. Each plan has its own institution limit: Lite includes 1 institution, Starter includes up to 5, and Pro includes unlimited institutions.

If you have multiple Google accounts active in Chrome, the sidebar might show data from a different account than the sheet you're viewing. Check the email shown at the top of the sidebar. If it doesn't match the account that owns this sheet, open the sheet in an incognito window, or switch Chrome's active Google account.

Yes, but with one caveat about which columns are safe to edit.

Some columns are populated by your bank data and refresh on each sync: Date, Amount, and Description. Edits to these columns will be replaced when new bank data comes in.

The Category column is special. Plaid's auto-categorization populates it on the first sync, but any change you make is preserved across future syncs. So you can recategorize transactions and your edits stick.

Other columns are entirely yours and won't be touched: Notes, custom tags, your own formulas in unused columns, and any tabs you create yourself.

A common pattern: leave the Date / Amount / Description columns alone, customize the Category column freely, and use Notes or new columns of your own for personal annotations.

Plaid auto-categorizes most transactions when they sync (Groceries, Restaurants, Transportation, etc.). You have two ways to customize categories, plus you can create your own.

Edit historic transactions directly. Open the Transactions tab and change the Category column for any row. Your edit is preserved across syncs and updates the Budget tab immediately. This is the right approach when you want to correct a single past transaction or recategorize a small batch.

Auto-categorize future transactions with keywords. In the Budget tab, the Keywords table lets you map merchant names or description patterns to your chosen category. For example: keyword "Whole Foods" → category "Groceries." Any future transaction with "Whole Foods" in the description will automatically use that category.

Create your own categories. Just type a new category name in the Transactions tab Category column or in the Keywords table. It will appear in your Budget tab automatically. There's no limit on the number of custom categories.

A common workflow: use direct edits to clean up the past, use keywords to keep the future tidy.

Parentheses indicate expenses (money out). Positive numbers without parentheses are income (money in). For example, a $50 grocery purchase appears as ($50.00), and a $2,000 paycheck appears as $2,000.00.

This matches standard accounting convention. It's used consistently across the Transactions tab, Dashboard, Budget tab, and P&L tab. When you add manual entries (see the P&L question below), you'll always enter positive numbers, and the system handles the sign convention based on the account or P&L line you assign.

The P&L tab tracks your business income and expenses, separate from your personal cashflow. It's designed for freelancers and small business owners who want a structured view of their business performance for analysis and review.

Allocating transactions. In the Transactions tab, the P&L Account column lets you assign any transaction to a P&L line (Revenue, Cost of Goods Sold, Operating Expenses, and so on). The transaction's amount flows into the P&L tab automatically. Transactions you don't allocate to a P&L line are treated as personal and stay out of the P&L view.

Manual entries. When you add a transaction manually (cash sales, mileage reimbursement, expenses paid with personal funds), always enter the amount as a positive number, regardless of whether it's income or expense. The P&L Account you select determines whether the amount is treated as revenue or expense. Don't use negative numbers for expenses.

Plan availability. The P&L tab is included on all plans. You can share the sheet directly with your accountant via standard Google Sheets sharing.