Knowledge Base

Creating your Seed account

Sign up with your phone number, verify by text, set a password, and walk through the four setup steps.

How to connect your bank accounts

Seed links banks and brokerages through Plaid. Here is where to start the flow, what syncs afterwards, and what to do when a bank stops reporting.

Understanding your net worth on Overview

Net worth is what you own minus what you owe. Here is what feeds it, and how to add the things your bank does not know about.

Building your first monthly forecast

The Forecast page is where you plan income and expenses for a month, then watch real transactions fill the plan in.

Troubleshooting connection issues

A missing transaction, a stale balance, or a bank that stopped reporting. Work through these checks in order.

Why balances and transactions can lag

Linked data arrives on the institution's schedule, not instantly. Here is what is normal and what is not.

Adding, editing, and repeating forecast items

Everything a forecast item holds: name, amount, category, classification, due date, and recurrence.

Matching transactions to forecast items

Press and hold a transaction, drag it onto the forecast item it belongs to, and release. That single gesture is what gives a transaction its meaning in Seed.

Using AI Auto-Assign

One tap proposes a forecast match for every unassigned transaction this month. Nothing is applied until you confirm, and it learns from every correction.

Linking a forecast item to a debt, goal, or investment

Connect a monthly item to the bigger thing it feeds, so progress is tracked in context instead of in isolation.

Attaching invoices to forecast items

Upload an invoice and Seed extracts vendor, dates, line items, tax, and total. You review before anything is saved.

Monthly breakdown reports explained

The Insights page has a Past and Future toggle. Past explains what happened, Future warns you about what is coming.

Understanding your net worth forecast

How Seed projects what is coming, what the projection is built from, and what it deliberately does not claim to know.

Setting up savings goals

Goals give your saving a target and a timeline, and connect monthly contributions to the thing they are actually for.

Tracking debt and payments

Debt is part of net worth and part of the monthly plan. Link the payment to the debt so paydown shows as progress.

How Seed Score works

Four scored components, five tiers, and a weekly pulse of what is helping and what is holding you back.

Categorizing transactions automatically

Seed has exactly 12 categories, and a transaction gets its category from the forecast item it is matched to. Here is what Untracked means and how to clear it.

Searching and filtering transactions

Search by merchant, amount, or even a line item on a scanned receipt. Then learn the press-and-hold gesture that turns a filter into an exclusion.

Adding a manual transaction

For cash, for an account you have not linked, or for anything the bank simply did not report.

Pending transactions explained

Pending means the bank has seen the charge but has not finalised it. Amounts, merchants, and dates can all still change.

Transfers between your own accounts

Moving money is not spending. Here is how Seed pairs the two sides, and the one case where dropping a transfer on an expense item is exactly right.

Scanning receipts

Upload a receipt and Seed reads it into line items, fees, and gratuity. Then you can search your transactions by what you actually bought.

Money Map: where your money moves

Your transactions plotted geographically, so travel spending, merchant clusters, and out-of-town charges become obvious.

Connecting investment accounts

Brokerages link through the same Plaid flow as banks, and holdings then feed the Invest tab and your net worth.

Reading your portfolio graph and P/L

Why Seed's year-to-date number can differ from your brokerage's, and what Since a date in the header means.

Why a losing position shows under Liabilities

It is not a bug. Seed classifies holdings by gain and loss so a position that is underwater reduces net worth honestly.

Setting price alerts

Get a push notification when a holding crosses a price you care about. Requires an active premium subscription.

Grouping, hiding, and renaming holdings

Custom groups, a Hidden screen, and a rename that never overwrites what your brokerage reports.

Adding collectibles and manual assets

Sneakers, trading cards, comics, and anything else with value. Add by hand or by barcode scan.

Using Gardener AI for financial advice

Gardener reads your own Seed data to explain it, search it, and help you plan. Here is everything it can actually do.

What Gardener will not do

Educational guidance, yes. Licensed advice, guaranteed outcomes, and decisions made for you, no.

How Gardener uses your data, and how to turn AI off

Gardener only ever sees your own account, your data never trains a model, and you can switch AI off entirely.

Every alert Seed can send

Eight families of alerts, from a low balance warning to a Seed Score tier change. Here is the full list.

Managing notification preferences

Six toggle groups control what reaches your phone. Muting one stops the push without losing the record.

Bank fee alerts

Seed watches your transactions for fees your bank charged you, and tells you what it found.

How Seed keeps your data secure

Field-level encryption, TLS in transit, database-enforced per-user isolation, and an AI that never trains on your data.

Why Seed never sees your bank password

Bank sign-in happens inside Plaid, not inside Seed, and the resulting connection is read-only.

Locking Seed with Face ID or Touch ID

Require biometrics or your device passcode every time the app opens, so a borrowed phone does not mean an open ledger.

Keeping your account secure

Four habits that matter more than everything else combined.

Adding a billing cycle: statement date, due date, credit limit

When your bank does not report a card's dates, add them yourself and they appear on the forecast calendar.

Adding property, vehicles, and manual accounts

Everything you own or owe that no bank reports, so your net worth is your whole picture and not just your cash.

Turning AI features on or off

A single switch in Profile settings disables Gardener and deletes your stored AI data.

Disconnecting a linked account

Stopping the sync, what happens to the data already there, and what it does to your net worth.

Deleting your account and data

Permanent, confirmed, and not reversible. Here is exactly what it does.

Contacting Seed support

How to reach a human, and what to include so the first reply is the useful one.

How the 14-day free trial works

A payment method up front, nothing charged during the trial, and a cancellation window that costs you nothing.

What read-only mode means

When a trial or subscription ends, nothing is deleted and nothing is hidden. You keep full visibility, you lose the ability to change things.

Managing or cancelling your subscription

Billing runs through the app store, so cancellation and payment changes happen there. The in-app screen is the way in.

Restoring a previous purchase

New phone, reinstall, or a returning subscriber. Restore instead of starting another trial.