Do I need to connect my bank account?

No. Spend & Invest works entirely with PDF uploads. You download your statement from your bank's website and upload the PDF. No bank login, no Plaid, no API connections.

Which banks and credit cards are supported?

Any bank that provides PDF statements. This includes all major banks, credit unions, and credit card companies worldwide. If your bank gives you a PDF, it works.

How does the AI categorization work?

When you upload a statement, AI reads each transaction and assigns it to a spending category like Groceries, Dining, or Transport. If it's unsure, it flags the item for your review. Every correction you make trains the AI to be more accurate next time.

Is my financial data secure?

Your PDF is processed to extract transactions, then deleted. We store the transaction rows — not the raw file. No data is shared with third parties.

Is Spend & Invest free?

Yes, it's completely free during the early access period. Upload as many statements as you want.

Can I use it with multiple currencies?

Yes. Spend & Invest supports 150+ currencies worldwide. If you have cards in different currencies, everything is converted to your chosen display currency for unified analytics.

Spend & Invest

Get Started

No credentials stored

Master your money, keep your privacy.

Find out exactly where your money went last month. Upload a PDF, get a categorized breakdown in 30 seconds. No bank login needed.

Start for Free Try Demo

AI decoded

Total Spend

$4,832

AI Accuracy

96.4%

AMZN Mktp USShopping$149.99

Uber EatsDining Out$32.50

Whole FoodsGroceries$87.34

Shell OilTransport$45.00

NetflixSubscriptions$15.99

No bank login

PDF upload only

No bank login required

PDF upload only

Free — no credit card required

256-bit encrypted

0+Beta users

0.0%AI accuracy

0+Currencies

0Bank connections

Works with any bank that provides PDF statements

Chase

Bank of America

HSBC

American Express

Barclays

Emirates NBD

Wells Fargo

Capital One

Discover

Citi

ADCB

Lloyds

Chase

Bank of America

HSBC

American Express

Barclays

Emirates NBD

Wells Fargo

Capital One

Discover

Citi

ADCB

Lloyds

Three steps to spending clarity

No bank API. No spreadsheets. Just upload, review, and understand.

Upload your statement

Drop any PDF bank statement — credit card, current account, or debit. Our AI extracts every transaction in seconds. No bank login. Your file is never stored permanently.

Drop your PDF here

Bank, credit card, or debit statement

ChaseHSBCADCBBarclaysAny bank

PDF processed in-session · never stored permanently · 256-bit encrypted

AI categorizes everything

Each transaction is sorted into spending categories. Low-confidence items are flagged amber for your review. Every correction trains the AI — so it gets smarter every month.

AI categorization1 flagged for review

Feb 12Whole FoodsGroceries$87.34

Feb 11Uber EatsDining$32.50

Feb 10AMZN Mktp USShopping$149.99

Feb 09Shell OilTransport$45.00

Feb 08NetflixSubscriptions$15.99

See the full picture

Visual dashboards, month-over-month trends, vendor drilldowns, and AI insights. Ask questions in plain English: "What did I spend on dining last quarter?"

Total Spend

$4,832

Transactions

147

Top Category

Dining

AI Accuracy

96.4%

Monthly Trend

How much did I spend on dining last month?

Know where every dollar went

Upload a statement. AI sorts every transaction. You ask questions, get real answers.

No Bank Login Required

We never ask for your passwords. Import data securely via encrypted files. Your privacy is baked into the architecture, not just a feature.

Zero-Knowledge StandardNo Plaid/API required

Automated Categorization

AI Sorting

96.4% ACCURACY

Our context-aware tagging engine learns your lifestyle patterns to sort transactions without manual input.

Groceries

Dining

Travel

Health

Behavioral Heatmaps

Monthly Trends

Q1-Q4 ANALYSIS

Visualize your progress and identify spending leaks with high-density data visualizations.

Conversational Finance

Natural Language

“What's my coffee spend this month?”

$124.50 at 8 locations. That's 12% less than last month.

Complex Receipt Analysis

Smart Splitting

AI visual recognition for complex bills. Split by item, person, or category with a single click.

Business Expense

$45.00

Personal Use

$12.40

150+ Currencies

SOC2 Type II

Public API

Free Beta Access

The Peter Lynch Thesis

Your spending will become your investment edge.

Peter Lynch made billions investing in companies he used every day. We're building the tool that turns your spending patterns into investment signals — before Wall Street notices.

Phase 2 · Coming 2026

Investment intelligence
is almost here.

We're building the layer that maps your spending to the stocks behind them. Start with budgeting — get early access to invest.

Get Early Access

How it works in practice

Numbers from live usage.

150+ currencies supported

Any bank, any country. If it gives you a PDF, it works.

96.4% accuracy after corrections

AI categorizes. You fix mistakes. It learns from every one.

30 seconds to insights

From raw PDF to a full spending breakdown.

Pricing

Simple, honest pricing

Start free — no credit card required. Upgrade when the stock intelligence features launch.

MonthlyAnnualSave 20%

Free

$0/ mo

Free — no credit card required.

Get started free

Unlimited PDF statement uploads
AI transaction categorization
Spending dashboard & charts
Month-over-month trends
Natural language queries
Recurring subscription detection
Transaction splitting
Multi-currency support
Up to 3 months history

Upload your first statement — it's free

Get started free View Live Demo

Privacy GuaranteedNo Credit CardYour data stays in your account