Our mission
Spendstat exists because household money management should not require handing your bank credentials to a third party. We build browser-based tools that help you understand where your money goes, model debt payoff and savings goals, and export reports—without creating an account or uploading statements to our servers.
We focus on practical workflows real households use: downloading CSV exports from a bank, categorizing transactions, spotting recurring charges, and deciding whether extra mortgage or debt payments make sense. Our content and calculators are educational; they are not a substitute for advice from a licensed financial professional.
How our tools work
When you use the Spendstat budget analyzer, your CSV files are parsed with JavaScript in your browser. Categorization rules you save (keyfiles) stay on your device. The same local-first approach applies to our monthly budget calculator, debt payoff calculator, and other tools—they store inputs in browser local storage unless you choose to export them.
We test features using our public demo CSV and keyfile so examples in articles reflect actual tool output, not hypothetical screenshots. When we publish payoff or growth projections, we use standard amortization and compound-interest formulas and label results as illustrative.
Editorial standards
Articles on Spendstat are written by our editorial team to explain budgeting concepts we implement in the product. We prioritize:
- Accuracy — Formulas and definitions aligned with widely accepted consumer finance practice (e.g., APR, amortization, 50/30/20 as a guideline).
- Transparency — Clear distinction between education and advice; prominent links to our Terms & Disclaimer.
- Experience — Examples grounded in CSV categorization, subscription audits, and calculator scenarios we have run in the product.
- Updates — Articles show publish and last-reviewed dates when guidance or product behavior changes.
We do not accept paid placements for financial products. When we compare Spendstat to bank-sync apps, we explain trade-offs honestly—automatic sync can be convenient; local CSV analysis keeps data off third-party servers.
What we are not
- We are not a bank, broker, lender, or registered investment adviser.
- We do not provide personalized tax, legal, or investment recommendations.
- Calculator outputs are estimates; always confirm loan terms, tax treatment, and fees with your provider.
Contact
Questions, corrections, or accessibility feedback: info@promptiteasy.com. We welcome factual corrections to articles and will update content with a revised date when material changes are made.