Import your statements
CSV, Excel, PDF, OFX/QFX, CAMT.053 and QIF, depending on bank support. Unrecognized formats are reviewed, with support usually added within 24 hours.
Bank statements. Clearer budgets.
See where your
money goes.
Find what to change.
Upload a statement from your bank - no bank connection, no AI guessing. Get categories, budgets, subscriptions and savings goals in one place, in your own currency.
14 days of full access. No card required.
After your trial: US$6.99/month or US$59.99/year.Your month, at a glance
September 2026 · EUR
Income€3,200
Expenses€2,450
Left this month€750
Where your money went
Bills & utilities€950
Groceries€540
Travel€330
Transport€210
Shopping€180
Other€240
A few transactions behind the report
| Merchant / category | Amount |
|---|---|
| MercadonaGroceries | −€84.20 |
| Electricity paymentBills & utilities | −€72.50 |
| Train ticketTravel | −€39.00 |
| SalaryIncome | +€3,200.00 |
Choose a category for a new merchant once. Your rule is reused for matching transactions on future imports.
No account needed
- CSV, OFX/QFX, CAMT.053 and QIF from any bank
- PDF and Excel for supported banks
- Multiple currencies
- No AI categorization
No bank connection neededCategories you controlAvailable in 9 languages
Analytics
Know whether you’re
getting ahead.
Compare income with expenses and follow your balance month by month. See the bigger picture behind individual transactions.
Income, expenses and monthly balances
Analytics
Sample dataSeptember 2026
Balance this month
+€750
Income€3,200
Expenses€2,450
Balance by month
€800€0
+€320Jun
+€410Jul
−€160Aug
+€750Sep
Savings goals
Give your savings
a destination.
Plan for an emergency fund, a holiday or a bigger purchase. Set priorities and follow recorded savings toward each target.
Priorities, targets and progress in one place
Active goals
Sample dataEmergency fundPriority 1
€1,200 / €6,00020% saved
Summer tripPriority 2
€300 / €1,50020% saved
Net savings contribute to the highest-priority goal first, then cascade to the next when its target is reached.
A clearer picture, in three steps.
Start with one statement. Build a budget you can understand.
01
Bring in your transactions
Upload a statement or add income and expenses manually. No bank connection required.
02
Review your categories
Keep transactions organized with categories you choose and merchant rules you control.
03
Understand your spending
See your biggest expenses, compare months and follow your savings goals.
Everything a budget spreadsheet does,
minus the manual work.
Built around how bank statements and real spending actually look - multiple formats, multiple currencies, and rules you stay in control of.
Categorize once. Reuse your rules.
Choose a category for a new merchant. Matching transactions follow your rule, across past and future imports. No AI service.
Multiple currencies, one picture
Keep original amounts. Compare totals in your home currency using exchange rates from each transaction’s date.
Follow your savings goals
Set priorities and track progress, with estimated completion dates based on your savings history.
Manual income & expense entry
Record transactions yourself.
Your transaction history
Review all income and expenses.
Recurring income & expenses
Add regular payments once.
Deep spending & analytics
Compare categories and monthly or yearly trends.
Nine languages
Use the app in your language.
Privacy by design
Statement files are deleted after a successful import by default. Categorization uses your rules, without sending data to an AI service.
Automatic recognition today for selected statement formats from
SantanderMonobankPrivatBankSparkasseScotiabankChaseBank of AmericaWells FargoYour bankSupport usually added within 24 hours
Don’t see your bank? Upload your statement.
We review unrecognized statements and usually add support within 24 hours of upload.
Support depends on the file’s format and readability. For CSV / TXT files, you can also map the columns once.
You stay in control
Your bank password
stays with you.
Upload a statement file, without connecting your bank. Review your transactions and decide how they should be categorized.
What happens to my statement?
Statement files are used to extract your transactions and, by default, deleted from our server as soon as the import succeeds. Categorization uses your rules, without sending statement contents to an AI service.
Simple pricing. Full access.
Try every feature free for 14 days. No card required. Subscribe only if it helps you.
US$6.99 /month after your trial
Or US$83.88 US$59.99 billed yearly. Save 28%
US$83.88 is what 12 months cost at the monthly price. That's about US$5.00/month.
Approx. €6.21 or PLN 27.35 per month at recent exchange rates. You are always billed in US dollars; your bank sets the final amount.
Full access for 14 days · Cancel a subscription any time
A few things you might be wondering.
Clear answers before you create an account.
What happens after the 14-day trial?
You can subscribe for US$6.99/month or US$59.99/year. No card is required for the trial; you choose whether to subscribe.
Do I need to connect my bank?
No. Import an exported statement or add income and expenses manually. Your bank password stays with you.
Can I start without a bank statement?
Yes. Record income and expenses yourself, then import a statement whenever you are ready.
Which banks and file formats are supported?
Santander (Spain) statements are recognized automatically in .xlsx, .xls or .pdf; Monobank (Ukraine) in .csv, .xlsx, .xls or .pdf; PrivatBank (Ukraine) in .xlsx or .xls; Sparkasse (Germany) in .pdf; and Scotiabank (Canada) in .pdf. Home Budget Analytics also reads OFX/QFX, CAMT.053 (ISO 20022) and QIF exports, which most banks across the US, Canada, UK, EU, Ukraine, Australia and New Zealand can produce. Any other CSV or TXT export can be imported too - you tell it once which column is which, and it's remembered for next time.
What happens if my bank isn't recognized automatically?
Upload it as normal. We review unrecognized statements and usually add support within 24 hours of upload. Support depends on the file’s format and readability; some files may not be possible to process. CSV / TXT layouts can also be mapped once.
How does automatic categorization actually work? Is it AI?
No AI, and nothing is sent to a third party for it. Categorization is entirely rule-based: when a merchant is seen for the first time, you're asked to pick a category once, and that rule is then applied automatically to every matching transaction, past and future. You can edit or add rules any time.
Is my financial data secure?
Your password is stored hashed, never in plain text. By default the original statement file is deleted as soon as the import succeeds, and only the extracted transactions stay in your account. The one exception is a file we can't read yet that you choose to send us so we can add support for your bank. Nothing is sold or shared for advertising; the processors we use are listed in the privacy policy.
I have transactions in different currencies - how are totals calculated?
Every transaction keeps its own original amount and currency permanently. Your home currency (set in Settings) only controls what currency totals and reports are converted to and summed in, using the real exchange rate on each transaction's own date.
How do savings goals work?
Set a target amount and, optionally, what you've already saved toward it. Real net savings each month go toward your highest-priority goal first, then cascade to the next once it's funded. A projected completion date is estimated from your trailing 90-day savings rate.
Can I use it in my own language?
Yes - Home Budget Analytics supports English, Russian, Ukrainian, Spanish, German, French, Portuguese, Dutch and Polish. Pick it at registration or change it any time in Settings.
Is there a mobile app?
Not a native app, but it's fully responsive and installs like one: on iPhone, tap Share and choose "Add to Home Screen"; on Android, open the browser menu and choose "Add to Home screen" (or "Install app"). Either way you get a full-screen icon on your home screen - your browser will usually offer to do this automatically after a visit or two.
Make your next month a little clearer.
Understand your spending. Follow your savings goals. Try every feature free for 14 days, with no card required.
Create free account