Do I have to connect my bank account?

No, and there is nothing to connect to. You export a statement from your bank as CSV, XLSX, OFX, QIF or PDF, and it is read in your browser.

Where does my financial data go?

Nowhere. Nothing is uploaded and no account is created. That is the whole reason to use a tool like this instead of one that asks for your banking login.

Spending grouped by category, subscriptions and other repeating charges, unusual transactions, and where the money went geographically.

Analyze a Bank Statement

Turn a bank or card export into a breakdown of where your money went, with recurring charges surfaced. Parsed in your browser — the statement is never uploaded.

Runs entirely in your browser — your file is never uploaded.

Questions

Do I have to connect my bank account?: No, and there is nothing to connect to. You export a statement from your bank as CSV, XLSX, OFX, QIF or PDF, and it is read in your browser.
Where does my financial data go?: Nowhere. Nothing is uploaded and no account is created. That is the whole reason to use a tool like this instead of one that asks for your banking login.
What does it find?: Spending grouped by category, subscriptions and other repeating charges, unusual transactions, and where the money went geographically.

CSV ViewerCSV files
Excel File Viewerspreadsheets
Compare Two CSV FilesCSV files

Or open the full Spend tool.

Questions

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