Every account.
Every card. One clear picture.
SpendThrift turns your bank & credit-card statements into a single, private dashboard — across every account, currency, and country. No bank logins. No data stored. Just upload and see where your money really goes.
Finally, all your money in one place
Most tools show you one account at a time — and count a transfer between your own accounts as spending. SpendThrift doesn't.
Multi-account consolidation
Upload statements from every bank and card. See one unified timeline and one true net position — not a dozen disconnected logins.
Smart transfer detection
Moved money from savings to your card? We match it across accounts so transfers aren't double-counted as income or expense.
Any bank, any currency
PDF, Excel, or CSV from any bank on earth. Multi-currency aware, with locale-correct dates and amounts — no integrations required.
How it works
Three steps, about a minute — and nothing leaves your device.
Upload statements
Drop PDF, Excel, or CSV exports from any bank or card. Password-protected PDFs? We handle those too.
Auto-parse & verify
We detect columns, categorize transactions, and match transfers — then cross-check every number against your statement's own balances and totals.
Explore your dashboard
Spending insights, a financial-health score, custom tags, date filters, and a clean Excel export — all interactive, all yours.
What you get
A complete picture of your money — not just a list of transactions.
Financial health score
A 0–100 score from your savings rate, EMI load, emergency fund, runway, and spending habits.
Deep spending insights
Fixed vs. variable costs, food habits, subscription burn, daily averages, top merchants, and income dependency.
Numbers you can trust
Every statement is cross-checked against its own balances and declared totals, so you're never shown figures that don't add up.
Custom tags
Override any category with your own tag — label one Swiggy charge and every Swiggy order re-categorizes instantly.
Bank + credit cards
Separate cash-flow and card views, with purchases, payments, limits, and a card-health score in one place.
Real-time filters & export
Pick any date range and watch every metric update instantly — then download a clean, shareable Excel report.
Your statements never leave your device
Unlike apps that demand your bank login, SpendThrift reads files you already have. No credentials, no third-party access, no statement data sitting on a server waiting to be breached.
See your full financial picture
in about a minute.
Private · Works with any bank · Export to Excel anytime