TrackSpendZ

Most budgeting app starts the same way: "Connect your bank." TrackSpendZ doesn't. You already can download a statement from your bank — a CSV, Excel, or PDF. That file has everything a finance tool needs: dates, amounts, descriptions. TrackSpendZ works entirely off that. Upload it, and in about thirty seconds you get a full financial dashboard — no bank login, no account linking, no credentials handed to a third party. Already tracking money somewhere else? You can bring that in too. Export a spreadsheet from Excel, or a CSV from an expense app like AndroMoney, Money Manager, or Walnut — unknown formats are auto-mapped for you, so you're not stuck reformatting columns by hand. What you get from a single upload: - Automatic categorization — a 150+ merchant-pattern engine tags every transaction, and it learns from your edits. Fix one, and similar transactions get categorized automatically on your next import. - 15 dashboard views — spending breakdowns, monthly and yearly trends, category drilldowns, period comparisons, and a searchable transaction table with inline editing. - Hidden-subscription detection — recurring charges are surfaced with a confidence score, so the quiet $9.99-a-month drains show up in one list. - Net worth tracking — add assets manually or import them, with historical snapshots. - Budgets & goals — monthly category budgets with 80% / 100% alerts, plus savings goals with projections. - FIRE planning — your real savings rate feeds a FIRE calculator with scenarios and a Monte Carlo simulation, so you get a range of outcomes instead of one fake-precise date. - Debt payoff planner — snowball vs. avalanche, with a debt-free date. - AI financial advisor — chat about your finances and get insights grounded in your actual numbers. - Year Review — a Spotify-Wrapped-style recap of your financial year. YOUR DATA STAYS YOURS. FULLY !!! This is the whole reason TrackSpendZ exists. There's no bank connection and no aggregator holding your credentials. Your data is never sold and never used for anything else — full stop. You're in control: clear your data from your login and every trace of it is deleted from our servers too. And no file you upload is ever stored with us — CSV and Excel are parsed right in your browser, so those files never even leave your device. Try it with zero commitment: for CSV and Excel you don't need an account at all — anonymous uploads stay in your browser, and you can delete everything anytime. You only create an account if you want to save your data to the cloud and use it across devices. (PDF parsing needs a free account, because it runs through a secured server-side proxy.) How it works: 1. Download a statement from your bank or card (CSV, Excel, or PDF) — or export from a spreadsheet or app you already use. 2. Drop it into the dashboard. Unknown formats are auto-mapped for you. 3. Explore your money — spending, subscriptions, net worth, and your path to financial independence. Simple, honest pricing — pay once, no subscription trap. - Free — $0 forever. Core categorization, monthly breakdowns, and local storage. - Pro — $49.99 for a full year (one-time, no auto-renew). Unlimited transactions, AI advisor, the full FIRE toolkit, net worth, budgets, goals, recurring detection, cloud sync, and more. No recurring charges. No card required to start. No bank login, ever. Built for people who want to understand their money without surrendering access to it. Drop in a statement and see for yourself: https://trackspendz.com