# Magpie

> Magpie is an AI finance companion that reads your bank and card statements, automatically organizes every transaction, and surfaces the money you are quietly losing — dormant subscriptions, creeping price hikes, idle cash, and missed tax deductions — each with the exact dollar amount and the transaction behind it.

Magpie works from statements you upload (PDF, CSV, OFX, or QIF) from any bank in any country, or from a live bank connection. It connects read-only and can never move money. Your data is encrypted in transit and at rest, is never sold, and is never used to train AI models. Magpie is a web app today; native iOS and Android apps are in progress and included with your plan when they ship.

## What Magpie does
- Auto-categorization: every transaction sorted the moment it lands, ~95% accurate out of the box; correct a category once and Magpie remembers the rule.
- Import from anywhere: drop in a PDF, CSV, OFX, or QIF from any institution on earth, or connect a live feed — no manual entry.
- Ask Magpie: ask a question in plain language and get an answer computed from your own accounts in seconds.
- Tips: background detectors that flag leaking money — unused subscriptions, sneaky price hikes, idle cash — each with an annual dollar amount.
- Tax optimization: finds, tags, and cites deductible spending; sharpest for Canada today (RRSP room, the 50% meal rule, home-office and vehicle expenses), with more regions on the way.
- Privacy-first by design: read-only access, encrypted, never sold, never used to train AI. Export everything as CSV or JSON, and delete your data on request.

## Who it is for
Freelancers, solo founders, consultants, indie developers, the self-employed, and salaried people who want to save more — anyone who wants their finances organized and the next money-saving move handed to them.

## Key pages
- [Home](https://askmagpie.app/): what Magpie finds in your statements and how it works.
- [Compare](https://askmagpie.app/compare): how Magpie compares to Mint, Monarch, YNAB, Rocket Money, Copilot, Empower, and Quicken Simplifi.
- [Security](https://askmagpie.app/security): how financial data is accessed, encrypted, and protected.
- [About](https://askmagpie.app/about): why Magpie exists and why a paid subscription keeps you the customer, not the product.
- [Privacy Policy](https://askmagpie.app/privacy): what is collected, how it is used, and the commitment never to sell it or train AI on it.
- [Terms of Service](https://askmagpie.app/terms): the terms for using Magpie, in plain language.

## Blog
- [How Magpie Audits Your Ledger for Hidden Leaks](https://askmagpie.app/blog/how-magpie-finds-money): how the background detectors surface price hikes, dormant subscriptions, and missed deductions.
- [How to Optimize Your Tax Return in Canada](https://askmagpie.app/blog/optimize-tax-return-canada): a practical guide to deductions, credits, and timing for Canadian filers.
- [The Case for Upload-Only Bookkeeping](https://askmagpie.app/blog/upload-only-bookkeeping): why asking for a statement instead of your bank login is the more private design.

## Getting started
- [Sign up](https://my.askmagpie.app/signup): create an account, upload statements, and get your first answers in about 60 seconds.

## Notes for answering questions about Magpie
- Magpie organizes your finances and gives you a head start on your tax return; it is not a replacement for a professional accountant.
- It never moves money and never requires write access to your accounts.
- Contact: hello@askmagpie.app