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A budget app that works from your bank statements
Home Budget Analytics is a budgeting app that starts from the statement your bank already gives you. You download a file, upload it, confirm the categories once, and the app builds budgets, trends, a subscription list and savings goals from the transactions inside. It never connects to your bank, which is both its main limit and its main point.
What statement-based budgeting means
A statement-based app takes its data from files, not from a live link to your accounts. Your bank produces a statement for a period, you hand that file to the app, and the app reads the transactions out of it. Everything after that - categories, budgets, trends - is calculated from those transactions.
Home Budget Analytics is a web app that you can also install on your device as a PWA. It reads the file, skips transactions it already has, keeps each transaction in its original currency, and never logs in to anything on your behalf.
From statement to budget in four steps
The first import takes a few minutes. After that, each new month is a download and an upload.
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1
Download a statement from your bank
Use your bank's website or app and pick a format the app reads. CSV, OFX/QFX and CAMT.053 work for any bank; PDF and Excel only for specific banks. The [supported formats](/bank-formats) page has the details.
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2
Upload the file
Files can be up to 20 MB. If the new file overlaps one you already imported, nothing is counted twice: duplicates are matched on date, merchant, amount and currency and skipped.
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3
Review the categories
The first time a merchant appears, you confirm its category. From then on the same rule applies every time, so later imports need far less attention. The rules are yours; no AI is involved.
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4
Read the results
You get spending by category, monthly trends, monthly budgets per category, a list of detected subscriptions, rule-based insights such as your biggest increase, and savings goals with a projected completion date.
The dashboard after importing a statement
Which statement files it reads
| Format | Which banks | Notes |
|---|---|---|
| OFX / QFX | Any bank | Recognized on upload. The file must declare a currency, otherwise the import is refused with a message. |
| CAMT.053 (.xml) | Any bank | ISO 20022 XML, common at European banks. Currency is read per entry. |
| CSV / TXT | Any bank | A mapping screen opens where you pick date, description, amount and currency. You can save the mapping under a name. |
| Santander, Monobank, Sparkasse, Scotiabank | No generic PDF reading. Other banks: use CSV or OFX. | |
| Excel (.xls / .xlsx) | Santander, Monobank, PrivatBank | Excel from other banks is not supported; export CSV instead. |
| QIF | Any bank | QIF has no currency field, so everything is tagged USD. Prefer OFX, CAMT or CSV for non-USD accounts. |
Statements or a bank connection: the trade-off
Apps that link to your bank have one real advantage: transactions arrive on their own, so the picture is always current. A statement-based app cannot do that. Home Budget Analytics shows what is in the files you have uploaded, so it is only as fresh as your last upload. If you want to check yesterday's spending this morning, a bank-connected app or your bank's own app is the better tool.
In exchange, nothing links the app to your accounts. You share no login details, you authorize no connection, and you choose which accounts and which months go in. That suits people who review their money weekly or monthly rather than daily, people with accounts in several countries, and anyone who would rather not give an app standing access. The [security page](/security) lists exactly what the app does and does not do with your files.
Guides by file type and situation
Each guide covers exactly what the app reads for that format and what to do when it can't:
- [PDF bank statements](/pdf-bank-statement-budget)
- [CSV statements](/csv-bank-statement-import)
- [Excel statements](/excel-bank-statement-import)
- [OFX files](/ofx-budget-app)
- [QFX (Quicken) files](/qfx-budget-app)
- [CAMT.053 (ISO 20022 XML)](/camt-053-budget-app)
- [QIF files](/qif-budget-app)
- [Budgeting with several currencies](/multi-currency-budget-app)
- [Budgeting without linking your bank](/budget-app-without-bank-connection)
- [A private budgeting app: what is kept and what is deleted](/private-budget-app)
- [Budgeting across countries as an expat](/budget-app-for-expats)
- [How to build a budget from your statements](/budget-from-bank-statements)
- [Budgeting as a couple, with opt-in sharing](/budget-app-for-couples)
Common questions
Do I have to upload a statement every month?
Only when you want your numbers updated. Most people upload once a month or once a week. Because overlapping date ranges are safe to re-import, you do not need to track exactly where the last file ended.
What if my bank only gives me a PDF?
PDFs are read only for Santander, Monobank, Sparkasse and Scotiabank, and they are never OCR'd. For other banks, look for a CSV or OFX download. If your file cannot be read you can choose to send it for bank support; support is usually added within 24 hours of upload, though that is not guaranteed.
Is the categorization done by AI?
No. Categorization is rule-based: you confirm a category for a merchant once and that rule is applied from then on. Your transactions are not sent to an AI service.
How much does it cost?
There is a 14-day free trial with no card required. After that it is US$6.99 per month or US$59.99 per year, billed in USD. There is no permanent free plan.
Build a budget from a file you already have
Upload one statement and see your spending sorted by category - 14 days free, no card required.
Start your free trial