Know Where Your Money Goes — Without Sharing Your Bank Login
Upload any bank statement. AI categorizes every transaction and finds hidden spending in 60 seconds.
No bank login · No credit card · Takes 60 seconds
Income
$5,200
↑ +3.2%
Spending
$3,847
↑ +12%
Saved
$1,353
26% rate
Spending by Category
March 2026
Financial Health Score
78
Grade B · Good
Subscriptions found
$237/mo
3 you forgot about
How it works
3 Steps to Financial Clarity
Download your statement
Export a CSV or PDF from your bank's website or app.
Upload to TidySpend
Drag and drop or click to upload. We accept CSV and PDF.
See your AI insights
Spending breakdown, hidden subscriptions, and saving opportunities — in 60 seconds.
Features
Everything you need to understand your money
Not just charts — actionable intelligence that tells you exactly what to do next.
Auto-categorization
AI identifies every merchant and assigns the right category — Food, Transport, Shopping, and 15+ more. No manual work.
Hidden subscription finder
We scan for recurring charges you might have forgotten. Most people discover $150–$300/month in unused subscriptions.
Cash flow prediction
Based on your income patterns and recurring expenses, we predict if you'll have enough money next month. Essential for freelancers.
Financial Health Score
Your finances rated 0–100 with specific, actionable improvements. Track your score month-over-month to see real progress.
Why We'll Never Ask for Your Bank Password
Most finance apps need your bank login. We deliberately chose a different approach.
| Other Finance Apps | TidySpend | |
|---|---|---|
| Bank credentials | Required via 3rd-party service | Never asked |
| Data access | Ongoing, real-time | Only what you upload |
| What they see | Full account history | One statement at a time |
| If they get hacked | Your bank account exposed | Nothing sensitive stored |
| Your control | Revoke access manually | Delete anytime · auto-deleted |
Bank credentials
Data access
What they see
If they get hacked
Your control
Your statement is encrypted in transit, analyzed by AI, and permanently deleted within 24 hours. We can't leak your bank password because we never ask for it.
Pricing
Start free. Upgrade when you need more.
No hidden fees. Cancel anytime.
Free
Try it with no commitment
- 1 statement analysis
- Up to 100 transactions
- Basic AI categorization
- Spending breakdown chart
- Category summary
- No credit card required
Pro
Best value · billed annually
$95.88/year · Save 20%
- Unlimited statement analyses
- Unlimited transactions
- Advanced AI categorization
- Subscription detection & alerts
- Cash flow prediction
- Financial Health Score (0–100)
- Saving recommendations
- Unusual spending alerts
- Month-over-month trends
- CSV data export
- Priority processing
30-day money-back guarantee
Financial advisors charge $200+/hour for this kind of analysis.
FAQ
Common questions
Absolutely. Your bank statement file is processed and then permanently deleted — we never store the original file. The structured transaction data (amounts, categories) is encrypted at rest in our database. We never share your data with third parties. You can delete all your data at any time from Settings.
No — that's the whole point. TidySpend works with file uploads only. Download a CSV or PDF statement from your bank's website and upload it here. No bank credentials, no OAuth connections, no open banking integrations.
TidySpend works with statement exports from any bank that offers CSV or PDF downloads. This includes Chase, Bank of America, Wells Fargo, Citibank, Revolut, Wise, ING, BRD, BCR, and hundreds more. If your bank exports a CSV, we can parse it.
We accept CSV files (the most common bank export format) and PDF statements. Our AI automatically detects the column layout for CSV files — no manual mapping required in most cases. For PDFs, our Claude Vision AI extracts the transaction table directly.
Yes, you can cancel your Pro subscription at any time from the Settings page. You'll keep access until the end of your billing period. We don't do surprise charges or make cancellation difficult — it's one click.
Still have questions? Contact us