What is Granite Finance?

Granite Finance is a daily budgeting app

Granite Finance is a bank-connected budgeting app that helps answer a practical question: how much may be safe to spend today while still respecting the rest of your financial plan?

Instead of leaving you to compare a checking balance with a separate list of bills and goals, Granite brings the relevant pieces together. The result is a daily, weekly, and monthly view designed to make the next spending decision easier to understand.

What Granite uses to build your budget view

You provide the plan Granite should protect, and connected accounts can supply eligible activity from the accounts you use for spending. As those inputs or transactions change, the amount available for future decisions can change too.

• Reliable monthly take-home income
• Recurring bills and other planned expenses
• Savings and investment contributions you want to protect
• Eligible purchases, deposits, and other activity from connected spending accounts
• The time remaining in the current budgeting period

What Granite can help you understand

The daily budget is the most immediate view, but it is not the only one. Granite also organizes the activity and upcoming commitments that explain why the number moved and what may be ahead.

• What may be safe to spend today, this week, and this month
• How recent transactions and pending activity affect the plan
• Where spending is concentrated across categories
• How income, expenses, savings, and investments have changed over time
• What upcoming activity may do to checking-account cash flow
• When a meaningful daily-budget change may deserve a closer look

How connected accounts fit in

When you choose to connect an eligible account, Granite uses Plaid’s secure connection flow. You authenticate with your financial institution inside that flow and choose the accounts you want to share.

Connected activity is not always instant. A purchase may arrive as pending, change when it posts, or take additional time to become available. Granite updates supported views as eligible information moves through that process.

Where you can use Granite

Granite’s core budgeting experience is available on the web, iOS, and Android. Supported iPhone widgets and the Apple Watch companion can also provide glanceable budget context.

Sign in with the same Granite account on a supported platform. Exact features can depend on the device, app version, permissions, subscription status, and available financial information.

What Granite does not decide for you

Granite organizes information and shows tradeoffs; it does not make purchases, move money, or decide what matters most to you. A daily budget is context for a decision, not an instruction to spend and not a judgment about a choice you already made.

Granite also does not replace professional financial, tax, legal, or investment advice. You remain in control of the accounts you connect, the plan you enter, and the decisions you make.

The best place to begin

Start with the getting-started guide if you are ready to build your first budget. If you want to understand the idea before connecting anything, read what a daily budget means or try the free browser-based calculator.