Product documentation
01
Getting Started
02
The Four Pillars
03
Connecting Your Accounts
04
Save
05
Invest
06
Spend
07
Borrow
08
The Weekly Ritual
09
Insights & Financial Health
10
Settings & Profile
01
Signing Up
Mary & Pip uses your phone number to create your account — no email or password required.
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Download the Mary & Pip app from the App Store.
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Enter your mobile phone number.
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Enter the verification code sent via SMS.
04
You’re in.
Your Home Screen
When you open the app, you’ll land on your Home screen. Here you’ll see:
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Your total net worth — updated in real time from all your linked accounts.
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The Four Pillars (Save, Invest, Spend, Borrow) — a visual snapshot of your full financial picture.
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Your daily mantra — a rotating message to set the tone for your money mindset.
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Gentle reminders — contextual nudges about actions you may want to take.
To refresh your balances at any time, pull down on the Home screen.
02
Mary & Pip organizes your financial life into four categories — or “pillars”:
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Save — Your savings and emergency fund accounts. This is your stability layer: money set aside for the future, emergencies, or a specific goal — money you need to keep liquid.
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Invest — Your investment accounts, both taxable and retirement. This is your growth layer: money working for you over time.
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Spend — Your checking and everyday accounts. This is your flow layer: the money you use day-to-day.
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Borrow — Your loans, mortgages, and credit card balances. This is your debt layer: money you owe, tracked so you can pay it down with intention.
From the Home screen, tap any pillar card to see the full breakdown of every account in that category.
03
Linking a Bank or Financial Institution
Mary & Pip uses Plaid — a secure, industry-standard connection service — to link your external accounts. Over 10,000 US financial institutions are supported.
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Tap any empty pillar card on the Home screen, or tap “Link account” from within a pillar.
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Search for your bank or institution.
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Enter your banking credentials. These go directly to Plaid — Mary & Pip never sees your login.
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Select which accounts to import.
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Assign each account to a pillar: Save, Spend, Invest, or Borrow.
Your accounts will appear immediately and balances will sync automatically.
Re-categorizing an Account
01
Tap the account to open its detail screen.
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Tap “Re-categorize.”
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Select the correct category.
Disconnecting an Account
01
Go to Settings by tapping your avatar in the top right of the Home screen.
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Tap “Connections.”
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Tap the institution you want to disconnect.
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Tap “Disconnect.”
Adding a Manual Account
For accounts that aren’t available via Plaid, like a private loan or small credit union, you can add a manual account.
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From the Save or Borrow pillar, tap “Add manual account.”
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Enter the account name and current balance.
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Update the balance manually whenever it changes.
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Your Save pillar tracks all of your savings and emergency fund accounts. The total shown on your Home screen is the combined balance across every account in this category.
Savings Goals
You can create savings goals to track progress toward specific targets.
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From the Save pillar, tap “Add goal.”
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Give it a name, like “Europe trip” or “New laptop.”
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Set a target amount.
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Optionally add a photo to make it feel real.
The goal card shows your current progress as a percentage. Tap the goal to see more detail or delete it.
Peace of Mind Fund
The Peace of Mind Fund is a special goal pre-configured for a 3-month emergency fund. Mary & Pip calculates your target automatically based on your average monthly spending across all connected accounts. You’ll find it as a suggested goal option when you tap “Add goal.”
05
Your Invest pillar shows all of your investment accounts — both any Mary & Pip brokerage account you’ve opened and any external investment accounts you’ve linked via Plaid.
Opening a Mary & Pip Investment Account
Mary & Pip offers a managed investment account powered by Alpaca.
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Tap the Invest pillar.
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Tap “Open investment account.”
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Complete your investor profile, including employment, income, and risk tolerance.
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Verify your identity.
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Once approved, your account will be active and ready to fund.
Account opening involves identity verification required by law. In some cases, additional review may be required before your account is approved.
Funding Your Account
01
Open your investment account from the Invest pillar.
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Tap “Deposit” to deposit money into your investment account.
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Once you link one of your ACH accounts to your investment account, you won’t be able to change it for 60 days, so choose wisely.
Withdrawing Funds
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Open your investment account.
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Tap “Withdraw.”
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Your funds will be sent to the same account that you deposited from.
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Enter the amount.
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Confirm. Funds are typically processed within 1–5 business days.
There is a short waiting period after changing your linked bank account before you can withdraw, as a security measure.
Auto-Invest
Auto-Invest lets you set up a recurring, automatic investment on a schedule you choose.
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Open your Mary & Pip investment account.
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Scroll to the “Auto-Invest” section.
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Tap “Set up Auto-Invest.”
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Choose an amount and frequency: weekly, every 2 weeks, or monthly.
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Tap “Save.”
To adjust or cancel, open your investment account, scroll to “Auto-Invest,” then tap “Adjust allocation” or “Cancel automatic investment.”
Viewing Holdings & Activity
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Holdings — see every position you own, including current value and shares.
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Activity — view your full transaction history: trades, dividends, transfers, and more.
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Documents — download monthly account statements and trade confirmations.
Your Investor Profile & Risk Tolerance
Your investor profile determines how your portfolio is allocated. Mary & Pip offers five profiles:
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Conservative — Prioritizes capital preservation.
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Moderate Conservative — Leans toward stability.
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Moderate — A balanced approach.
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Moderately Aggressive — Tilts toward growth with a cushion.
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Aggressive — Maximum growth focus.
To update your profile, you can retake the risk portfolio quiz in the profile page.
06
Your Spend pillar tracks your checking and day-to-day accounts. Use it to see where your money is actually going.
Viewing Transactions
01
Tap the Spend pillar from the Home screen.
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Tap any account to open it.
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Scroll through your full transaction history — most recent first.
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Each transaction shows the merchant name, amount, date, and status: pending or completed.
Re-categorizing a Transaction
01
Tap the transaction.
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Tap “Re-categorize.”
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Choose the correct spend subcategory.
This keeps your Insights data accurate.
07
Your Borrow pillar tracks everything you owe: credit cards, student loans, auto loans, mortgages, and any other debt.
Viewing Your Debt
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Total amount owed across all borrow accounts.
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Each individual account with its current balance, original balance if entered, and interest rate if entered.
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Progress toward payoff for accounts with an original balance set.
Adding a Manual Loan
01
From the Borrow pillar, tap “Add manual account.”
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Enter the account name, current balance owed, original loan amount, and interest rate. Original amount and interest rate are optional but helpful for tracking progress.
Editing a Manual Loan
01
Tap the account.
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Tap the menu in the top right.
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Tap “Edit account.”
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Update the balance or other details and tap “Save.”
Tracking Equity on a Real Estate Loan
If you have a mortgage or home equity loan and want to count your equity toward your invested net worth:
01
Open the loan account.
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Enable “Track asset in net worth.”
Mary & Pip will automatically calculate your equity — original loan amount minus current balance — and count it as part of your Invest total.
08
The Weekly Ritual is a guided, 5-step financial check-in designed to help you build a consistent, mindful relationship with your money. Think of it as a standing weekly date with your finances — calm, structured, and judgment-free.
Access the Ritual from the Ritual tab in the bottom navigation.
The 5 Steps
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Step 1: Open Accounts — See all your account balances in one place and get a clear snapshot before doing anything else.
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Step 2: Last Week — Review your transactions from the past week. What came in? What went out? No judgment — just awareness.
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Step 3: Week Ahead — Set your intentions for the coming week and think about upcoming expenses or obligations.
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Step 4: Housekeeping — Update a manual account balance, link a new account, or take care of outstanding reminders.
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Step 5: Gratitude — Reflect on one financial win, big or small, from the week.
Once you complete all five steps, the ritual is marked done for the week. It resets the following week.
09
The Insights tab gives you a data-driven view of your financial health — not just what you have, but how you’re doing.
Financial Health Score
Your Financial Health Score is a single number from 1–100 that summarizes your overall financial wellness. It factors in spending consistency, emergency fund progress, investment exposure, and goals momentum. A label, like “Thriving,” “Growing,” or “Rebuilding,” gives you a quick read on where you stand.
The Four Metrics
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Spend Consistency — Measures how predictable your spending is month-to-month. Tap to see your trend and tips for smoothing volatility.
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Emergency Fund — Shows how close you are to having 3 months of expenses saved. Your target is calculated automatically from average monthly spending.
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Exposure Therapy — Measures the diversity of your investment portfolio. Tap to see your current asset allocation breakdown.
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Goals Momentum — Tracks progress across active savings goals and shows which goals need attention.
Monthly Averages
Below the four metrics, you’ll find your 12-month rolling averages for:
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Income received
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Total spending
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Amount invested
Each shows a bar chart so you can see trends over time. Tap any card for a more detailed breakdown.
10
Accessing Settings
Tap your avatar or profile icon in the top right corner of the Home screen.
What You Can Do in Settings
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Update your name — Edit your first name as it appears in the app.
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View identity verification status — See the status of your KYC verification, required for investment account opening.
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Manage connections — View all linked institutions, reconnect expired connections, or disconnect accounts.
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Sign out — Log out of your Mary & Pip account.
Reconnecting an Expired Account
Bank connections can expire if your credentials change or if your bank requires re-authentication. When this happens, you’ll see a “Reconnect” prompt on the affected account.
01
Go to Settings → Connections.
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Tap the institution that needs reconnecting.
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Tap “Reconnect” and follow the Plaid authentication flow.
Need Help?
If you have a question not covered here, reach out to support@maryandpip.com. We’re a small team and we read every message.