01
Import
Drop in a CSV or XLSX statement. It's parsed in your browser; account numbers never leave the page.
Private personal finance · est. 2026
Your monthly money loop, kept in one quiet ledger.
Upload statements, categorize spending, hold budgets, and decide where every dollar goes. Your raw data stays in your account, and never reaches the AI.
No bank connections. No account numbers stored. Ever.
Statement
August 2026
CADIncome+5,240.00
- Housing−1,650.00
- Groceries−612.40
- Transport−244.18
- Dining out−188.50
Surplus to allocate
after 4 categories
68% allocated · $815 still loose
The loop
Four moves, every month.
02
Categorize
Rules sort each line automatically. Review what's left in a fast, keyboard-first pass.
03
Budget
Set envelopes per category and watch the month track against them in real numbers.
04
Allocate
Decide where every surplus dollar goes before the next month begins. Close the loop.
Guidance over your numbers without handing them over.
Ask for help reading a month and SpendWise reasons over aggregates and categories only. Your transactions stay siloed to your account; the raw rows are never sent to any model.