Finlatitude · Budget tool

Where does your money actually go each month?

Drop a bank statement — PDF or CSV — and get an instant breakdown of your spend by category, a list of every recurring subscription you're still paying for, and three tailored tips to cut your monthly outgo. Zero signup. Zero storage.

Privacy First: we do not store your bank credentials, statements, or financial data.

Processing happens entirely in-memory on the server and disappears the moment your response is sent. Results live only in this browser tab and are gone when you close it — nothing is written to disk or database.

First time here? Load a sample statement to see the charts and tips instantly — no upload needed.

Drop a bank statement here

or click to browse

PDF or CSV, up to 10 MB. Most banks let you export a 60-90 day CSV from their web dashboard — that's the fastest input for the cleanest analysis.

Estimator only — categorisation is best-effort AI output, not tax advice. Use it as a directional review of your spend, then cross-check big categories with your bank's own dashboard before making major changes.

→ Then check if your surplus meets your retirement target

Methodology

How the Spending Analyzer works

The Spending & Subscription Analyzer parses a CSV or PDF statement entirely in-memory on our server, categorises every transaction with a large-language-model classifier, and surfaces the result as an aggregated breakdown plus the top five sample transactions per category. Nothing is written to a database or to disk, no account is created, and the moment the response is sent your parsed data is garbage-collected.

Categories are mapped to seven standard buckets — Housing, Groceries, Dining & Coffee, Transport & Fuel, Utilities, Shopping, and Subscriptions — plus an "Other" residual. Recurring charges are detected by looking for the same merchant within a ±4-day window across two or more billing cycles, which is the industry-standard subscription-detection heuristic.

The surplus figure is simply total income − total spend for the period. Bill benchmarks are hard-coded by US region (Northeast, South, Midwest, West, Non-US) using 2025 Consumer Reports and CTIA medians; a bill is flagged when it exceeds 130 % of the regional typical for its category. The retirement-boost CTA passes the computed surplus into the Retirement Calculator via a query parameter so you can see the 30-year compounded impact of redirecting it into an index fund.

Takeaways

Three habits worth building

Audit subscriptions quarterly. The average American household carries $273/mo in recurring charges, and 42 % of them are for services used less than once a month. The "cancel if you haven't opened it in 30 days" rule beats any budgeting app.

Negotiate bills, don't tolerate them. Internet and phone providers are the two most negotiable line items in the typical statement. A 10-minute retention call recovers 15-25 % on broadband in roughly 70 % of attempts. The savings compound every month until the next price hike.

Redirect, don't just reduce. Cutting spend is only half the win — the dollars you save are only real if they land somewhere that compounds. The retirement CTA on this tool is wired for exactly that: send your surplus to a 6.5 % projection and watch the 30-year curve bend.

Questions we hear

Frequently asked questions

›

Is my bank statement really not stored anywhere?

Correct. The file you upload is parsed into memory on our stateless API, sent to the LLM for categorisation, aggregated, and returned to your browser — all within a single HTTP request. Nothing is written to disk, our database, our analytics, or any third party. Close the tab and no copy of your transactions exists on our servers.

›

What file formats does the analyzer accept?

CSV (any bank's standard export format) and PDF statements up to 10 MB. For PDFs we use pdfplumber to extract tabular data; for CSVs we parse directly. If your bank only exports to a proprietary format (OFX, QFX), convert to CSV first — most banks offer the option in the same download menu.

›

Why do the bill alerts ask for my region?

Broadband and mobile averages vary meaningfully between US regions — Midwest internet runs about $20/mo cheaper than Northeast internet for the same tier. Your region choice is stored only in your browser's localStorage so the alerts stay accurate. We never see or receive your region.

›

Can I compare two months at once?

Yes — once you've analysed one statement, upload a second month beneath the results. The tool renders a category-by-category delta table with colour-coded ▲/▼ markers so you can spot drift at a glance.