You are the first person on your own watch, and that never costs anything — no card, no trial that ends. The only thing that is ever billed is watching over someone else, and it is the same watch either way.
You’re the first person on it, and that part never costs anything. The only thing you ever pay for is someone else.
Watching your own money is free, and stays free. No card.
$5/mo each additional · about $13/mo for two, on one bill.
Or $70/yr, $45/yr each additional — about $115/yr for two. Paying by the year saves $26/yr.
Join the waitlistOne person is $8 a month, or $70 a year if you pay yearly — $96 against $70 over twelve months. One forgotten $9.99 subscription, found and cancelled, is $120. We won’t promise you that trade — we can only find what the statements actually show. What’s new is where we look: their account, not just yours.
Elder-fraud monitoring is not a new idea — it’s just always been sold to the person being watched. Here is what the other two cost, and who they ask to sign up.
No app, no account, no password to remember, no screen to learn. They follow one link to connect their bank; after that we only text them about their own account — a hello when they connect so they have our number, a bank connection that needs refreshing, or a payment that didn’t go through. Everything else we send them is a reply to something they sent us.
Plain English, and the reasons we thought it was worth telling you — never a score you have to take on faith.
The table above is the short version of the first two. Each of these goes through what that vendor publishes one at a time, with the date we read it — including True Link, which answers the same worry a different way.
No. Rowan is read-only — it can see transactions to spot problems, but it can never move, send, or freeze a cent. That limit is built into how we connect.
No. They get one text, tap once to connect, and that’s it. No app, no account, and no password is ever given to us.
No. Nothing gets filed and no bank has to approve anything — they connect their own account once, through their own bank’s sign-in. If you already have power of attorney, Rowan doesn’t ask for it either. It isn’t a substitute for one, though: power of attorney lets you act on someone’s behalf, and Rowan only ever lets you see.
No. We never send the invite — it goes out from your phone, in your own words. The only texts we ever send them are a hello when they connect, so they have our number, and then messages about their own account: a bank connection that needs refreshing, or a payment that didn’t go through. Everything else we send them is a reply — forward us a text that looks off and we’ll say what we think of it. They start that one, not us.
It watches for the patterns behind pig-butchering, romance, tech-support, IRS, and lottery scams — escalating transfers, new payees, panic gift-card buys — and flags them in plain English, with the reason.
No — and it can’t. Rowan is read-only: it can’t move money, freeze a card, or call a bank. What it does is make sure you’re not starting from nothing. The alert comes with the reasons it fired, a script for the call — what to open with, what she’s likely to say back, how to leave it if it gets tense — and the account and transactions written up the way a fraud line asks for them.
No — that’s the whole design. Low-stakes things wait quietly in the feed, and we push only when something looks worth your attention.
Connections run through Plaid, which is used by apps like Venmo and Robinhood. We never see or store your bank password, and we never sell your data.
Yes — add both parents, or yourself and a parent. You pick who pays when you send the invite: put them on your own card and it stays one bill however many people you watch over, or let a parent pay for herself.
Disconnect anytime from the app. Or, if you’re the one being watched over, reply STOP to any text. Either way we stop monitoring, disconnect the bank, and delete the transactions we synced along with every alert we built from them.