Connect my banks
Connect my banks — Open Banking with Australian banks. You consent at your bank — not by typing a password into Tesni. Posted transactions land in the household; CSV and PDF still cover gaps.
Two adults. One leftover. Australia.
After the mortgage, what’s left this pay?
Your partner shouldn’t have to ask.
Both of you should know — not just whoever opened the banking app.
We’re not taking new households yet.
Tesni™ keeps the household books in one place — not a personal tracker with a share button. Connect Australian banks with Open Banking, or drop a statement when you need to. Leftover this pay is Debit, Credit, Result. Transfers don’t dress up as income. You consent at your bank. The books stay with you.
How the books stay honest
Leftover this pay
Leftover this pay — Debit, Credit, Result after the mortgage and daycare hit. Card repayments and transfers stay in the ledger; they don’t fake what’s left. Family view, or just yours.
Ask where it went
Ask where it went — Who covered daycare. Coles vs Woolies. What’s sitting unused in the offset. If a lookup fails, we say it failed.
What you keep close
Built for two adults running a household in AUD — not a kids debit card, not a bank.
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Open Banking
Connect my banks. Australian everyday, savings, and cards. Joint accounts don’t double up. Sync when you want, or let the webhook catch up.
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Statements & receipts
Drop a CSV, PDF, or photo. AI structures the mess. You review low-confidence rows. Attach an invoice to that payment — never a second debit.
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Leftover, not shuffles
Result is leftover: true income minus spend. Card repayments and transfers stay in the ledger; they don’t dress up as leftover.
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Two adults
Invite a partner with a code. Two seats. Family view or just me. Owner chips on every row.
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Household chat
Ask Tesni where groceries went this pay. Tables and bars. Threads stay with you. No fake loan balances.
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Your books
Family isolation on every query. Delete your uploads.
The books stay with you.
Tesni is a budget on the screen. Underneath, you keep the records.
Connect, or upload
Open Banking consent is with your bank. We never put the bank API key in the browser. CSV, PDF, and photos still work for gaps.
Household only
Every query is scoped to your Tesni. Your partner sees the shared view.
Fail closed
If a parse or a price lookup fails, we say it failed. We do not invent a leftover or a loan figure.
Questions
Is this a bank?
No. Tesni does not hold deposits. Open Banking reads your accounts with your consent. Leftover is calculated from those books.
What does Tesni mean?
Say TES-nee. It’s a Welsh word for warmth. The product is that for the household books: leftover, mortgage, and offset, kept close.
Who is it for?
Two adults in one household. AUD. Australian banks. Not kids’ pocket money.
Where does AI come in?
Grok reads PDF statements and receipt photos, suggests categories, and powers Chat. Known bank CSVs are parsed without AI. If it isn’t sure, you review the row.
Do you store my bank password?
No. You consent at your bank. Tesni stores connection ids and posted transactions — not your internet-banking password.
Can I still upload files?
Yes. CSV and PDF statements and receipt photos remain for unconnected accounts or gaps in sync.
How do I start?
We’re not taking new households yet. Already in Tesni? Log in.
What if I already have a household?
Log in. That link is the app.
Open Tesni.
Put this pay where both of you can see it.