SoFi Relay

SoFi Relay is SoFi's budgeting and financial-tracking feature available to both members and non-members. It connects your accounts across institutions, categorizes spending automatically, and shows your credit score trends. You get a dashboard that compiles all your financial activity in one place without needing a SoFi account.

It's a natural choice if you already bank with SoFi or are considering it, since Relay integrates smoothly with your SoFi accounts. Even if you don't use SoFi, the free tracker works for people who want account aggregation and credit monitoring bundled together in one simple interface.