Know exactly what landed, and when
Everyone watches their spending; almost nobody verifies their income. Paychecks, side income, refunds, and reimbursements land across different accounts, and a short deposit or a payment that quietly stopped can go unnoticed for months. Skycopia watches every deposit, splits recurring income from one-offs, and shows each source's typical amount next to what actually arrived.
Real numbers from one user's own account, July 2026. Your waste will vary — that's the point of the audit.
Nobody audits the money coming in
Spending gets all the attention because it hurts. Income gets a glance — the balance went up, must be payday — and that's where mistakes hide. A paycheck that's $180 short because a reimbursement was dropped. A rental payment that arrived late, then not at all. A refund a merchant promised that never showed. A recurring interest payment that stopped when a bank changed its terms.
None of those announce themselves. The only way to catch them is to compare what landed against what usually lands — per source, at the right cadence — which is tedious enough that essentially nobody does it by hand across multiple accounts.
Skycopia does the tedious part: it groups every deposit by source and keeps each source's history in front of you, so "did that actually arrive, at the right amount?" becomes a ten-second check instead of a spreadsheet project.
How income watch works
There's nothing to set up beyond connecting your accounts — the income view is built entirely from your real deposit history.
- 1
Connect your accounts, read-only
Link the accounts your money lands in through Plaid. Skycopia can see deposits — it can never move money. Free in private beta, no card required.
- 2
Your deposits sort themselves
Every deposit across every connected account gets grouped by source, then split into recurring income (paid in 3+ distinct months) and one-time deposits like refunds and reimbursements. No tagging homework.
- 3
Verify what landed, and at what amount
Each recurring source shows its typical payment, its latest payment, and a twelve-month history — so a short paycheck or a stopped payment is visible instead of invisible. Click anything to see the actual deposits behind it.
What's on the page, concretely
Headline tiles first: recurring income per month (and how many sources it comes from), what's landed so far this month, one-time deposits in the last 90 days, and total income across the window. Every tile drills into the exact deposits it's summed from — the numbers aren't ones you have to trust, they're ones you can verify.
Below that, the recurring list: each source with its typical (median) payment, its latest payment, its average per month, and a twelve-month sparkline of what it actually paid. A paycheck that came in light, or a source that hasn't paid in a while, is visible at a glance rather than buried in a statement.
One-time deposits get their own list — refunds, reimbursements, odd credits — with a search box, so "did that $240 refund ever arrive?" is a search, not an archaeology dig. In a household with shared accounts, sources also show whose account the money landed in when that's known.
The honest part: it watches, it doesn't predict
Skycopia's income view is a record of what landed — not a forecast, an invoicing tool, or a tax estimator. It also needs history to be useful: a source only reads as recurring once it's paid in three distinct months, so in your first weeks a new paycheck sits in the one-time list until the pattern is real. We'd rather wait for evidence than label a single deposit a "salary."
And the view is only as complete as the accounts you connect — cash income and deposits into unconnected accounts won't appear. The analysis windows to your last 24 months; when older deposits exist beyond that, the page tells you so and points you at your full searchable history instead of quietly pretending the window is everything.
Verify every deposit. Nothing to maintain.
No separate signup page — create your account below, connect your banks read-only, and your income sorts itself into recurring vs one-time.
Free account
Know exactly what landed.
Connect your accounts read-only and Skycopia watches every paycheck and deposit for you — no credit card needed.
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FAQ
What counts as "recurring" income vs a one-time deposit?
A source that has paid you in three or more distinct months is treated as recurring — paychecks, rental income, regular interest. Everything else lands in a separate one-time list: refunds, reimbursements, odd credits, a marketplace payout. The split matters because you check them differently — for recurring income the question is "did it arrive at the right amount?", and for one-time deposits it's "what even is this?" Each list has its own search box so you can verify a specific paycheck or refund actually arrived.
How does it know what my paycheck is "supposed" to be?
It doesn't guess from your job — it computes it from your history. For each recurring source you see the typical (median) payment amount alongside the most recent payment, the average per month, and a twelve-month sparkline of what that source actually paid. If your latest paycheck differs from the typical amount — a missed reimbursement, a withholding change, a short deposit — the comparison is right there, and you can click through to the deposits themselves.
Can it track income across multiple bank accounts?
Yes. You connect each institution read-only through Plaid and Skycopia merges deposit history from every connected account into one view. That's the practical difference from checking each bank app separately: a paycheck in checking, a side-gig payout in a second account, and a refund on a card all show up in the same list. Read-only means Skycopia can see transactions but can never move money.
Does it forecast my future income or help with invoicing?
No, and we'd rather say so plainly. Skycopia watches what actually landed — it doesn't project next month, chase unpaid invoices, or estimate taxes on 1099 income. What it gives you is the record: every deposit, which source it came from, how that compares to the source's typical payment, and whether a recurring source has quietly stopped or shrunk. For freelancers, that's the "did client X actually pay me?" check, not the invoicing tool.
Is Skycopia free, and is the bank connection safe?
Skycopia is free while in private beta — no card required. Bank connections go through Plaid, the same connection layer most major finance apps use, and access is strictly read-only: Skycopia can see transactions but cannot move money, pay bills, or make changes to your accounts. You can disconnect an account at any time.
Your income deserves an audit too.
Skycopia reads your bank history read-only and keeps every paycheck, refund, and deposit accounted for — recurring vs one-off, typical vs actual, down to the transaction.
One user's own audit scanned 6,027 transactions — real numbers, July 2026.
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