Looking for a Mint replacement that actually moves you closer to retirement? A2Z Money tracks net worth and projects when your investments outearn your salary.
Know exactly when your money starts working harder than you do.
A2Z Money tracks every dollar across every account — checking, savings, credit cards, investments, retirement — and answers the one question budget apps avoid: when can I stop working?
THE CROSSOVER PROJECTION
At the heart of A2Z Money is the Crossover chart. It models when your portfolio's inflation-adjusted growth outpaces your salary. The chart shows the exact age your investments take over. No vibes, no marketing math — just a projection grounded in your real account balances and your real spending.
NET WORTH IN ONE PLACE
Connect once, see everything:
• Bank accounts and credit cards via Plaid
• Brokerage and retirement accounts via SnapTrade
A2Z aggregates balances and transactions automatically. Net worth = assets minus liabilities, recalculated every time your accounts move.
WHAT YOU GET
• Net worth dashboard with month-over-month deltas
• Cash flow split into salary vs. other income, essential vs. discretionary spend
• Categorized spending (Plaid PFC categories) — drill into any month
• Crossover projection: the age your investments outearn you, plus years to financial independence and a sustainable withdrawal rate
• Lifestyle targets and Tweak Assumptions — adjust return rate, inflation, or retirement age and watch the projection update live
• Monthly email reports — HTML email plus PDF and CSV exports, optional and opt-in
PRIVACY THAT'S NOT MARKETING
• Your bank credentials never touch A2Z's servers. Plaid handles the OAuth flow end-to-end; we receive read-only account data, not your password
• Sign in with Apple supported — no email/password required if you'd rather not have one
• Account deletion is a single button in Settings. It revokes Plaid + SnapTrade tokens server-side and purges every byte of your data from our database
• At-rest encryption on the server (AES-256-XTS)
• No ads. No data sales. No marketing email. Ever.
PRO MEMBERSHIP
A2Z Money's free tier includes the full demo experience with sample data and the net worth dashboard. Pro unlocks live account connections, monthly email reports, and the full Crossover projection with custom assumptions.
In-app subscription. Auto-renews until cancelled. Manage or cancel anytime in Settings → Subscription, or in iOS Settings → Apple ID → Subscriptions. Pricing shown on the upgrade screen in the app.
WHO IT'S FOR
If you've ever sat down with a spreadsheet and tried to figure out the year your savings start carrying you, A2Z Money does that work continuously, with real data. The math borrows from the FIRE (financial-independence) community, but the app doesn't require you to know the acronym to use it.
Privacy Policy: https://www.a2z-ventures.com/support/a2z-money/privacy.html
Terms of Use: https://www.a2z-ventures.com/support/a2z-money/terms.html
Support: https://www.a2z-ventures.com/support/a2z-money/
I can track my spending, net worth and FIRE timelines easily with the app.
Small under-the-hood polish. Faster pricing refresh on the upgrade screen and a few text tweaks across Spending and Wealth. Thanks for using A2Z Money.
Version 1.0.8
The developer, A2Z VENTURES LLC, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Linked to You
The following data may be collected and linked to your identity:
Purchases
Financial Info
Contact Info
Identifiers
Privacy practices may vary, for example, based on the features you use or your age. Learn More
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
Seller
A2Z VENTURES LLC
Size
40.2 MB
Category
Finance
Compatibility
Requires iOS 15.0 or later.
iPhone Requires iOS 15.0 or later.
iPod touch Requires iOS 15.0 or later.
Mac Requires macOS 12.0 or later and a Mac with Apple M1 chip or later.