The Skwad Blog

Transactions from RBC, TD, CIBC, and Wealthsimple feeding into one Skwad budget with envelope categories, no bank login shared
Guide

The Best Budget App for RBC, TD, and CIBC Customers (No Bank Login)

RBC NOMI, TD MySpend, and CIBC Insights each stop at your own bank. Here's how to budget across RBC, TD, CIBC, and Wealthsimple without sharing a bank password.

Sep 6, 2026
Smiling man opening a cardboard delivery box at home
Blog

Itemize Your Amazon Orders in Your Budget with Skwad

Amazon shows up in your budget as one number. Skwad's Retail Order Sync Chrome extension turns each order into an itemized transaction with every item, tax, and shipping.

Sep 5, 2026
Hands holding a sealed glass jar labeled Savings
Blog

Reserved Categories: Savings That Stop Looking Spendable

Reserved budget categories keep your emergency fund and sinking funds out of Available to spend, so the money you set aside stops looking like money you can spend.

Sep 5, 2026
A person writing a plan in a notebook at a sunlit wooden table with a cup of coffee
Explainer

The 50/30/20 Budget Rule, Explained Simply

The 50/30/20 rule splits after-tax income into needs, wants, and savings. Here's how it works, where it fits, and how to see your real split against those targets.

Aug 16, 2026
A woman sitting calmly on a couch with a mug, gazing toward a window
Explainer

How Many Months of Expenses Should You Save?

Emergency-fund runway is how many months your savings could cover essential spending if income stopped. Here's how to size yours and read it as a health signal.

Aug 16, 2026
A man reviewing a bill at his kitchen table with a cup of coffee
Explainer

Fixed-Cost Ratio: How Much of Your Income Is Committed?

Your fixed-cost ratio is the share of income locked into recurring bills before you make a single choice. Here's how to calculate it and why keeping it near half matters.

Aug 16, 2026
A person relaxing at home, checking their phone with a cup of coffee
Explainer

What Is a Financial Health Score? A Plain-English Guide

A financial health score turns your income, spending, savings, and net worth into a single number you can track over time. Here's what goes into one and how to read it.

Aug 16, 2026
A smiling older man checking his phone on the couch with a mug of coffee
Explainer

What Is a Savings Rate? How to Calculate Yours (and What's Good)

A savings rate is the share of income you keep instead of spend: (income − spending) ÷ income. Here's how to calculate yours, what counts as a good rate, and how to raise it.

Aug 16, 2026
Import CSV Transactions with Tags & Original Descriptions
How To

Import CSV Transactions with Tags & Original Descriptions

Skwad's CSV import supports Tags and Original Description columns, giving you full control over how imported transactions are organized and labeled.

Apr 13, 2026
Get Alerted When a Budget Integration Disconnects
Feature

Get Alerted When a Budget Integration Disconnects

Skwad alerts you the moment Gmail, Sheets, or SimpleFin integrations disconnect, so you can reconnect before transactions slip through.

Apr 13, 2026
Change Your Budget Without Rewriting Past Months
How To

Change Your Budget Without Rewriting Past Months

Apply budget target changes to future months only and keep your historical budget data intact for accurate, trustworthy trend tracking.

Mar 30, 2026
Rename, Merge & Track Messy Bank Merchant Names
Feature

Rename, Merge & Track Messy Bank Merchant Names

Bank payee names are a mess. Skwad's merchant management lets you rename cryptic descriptions, merge duplicates, and track spend per merchant.

Mar 30, 2026