Automatic budgeting — drop it in, done in seconds

Free cost savings tracking tool for bank CSVs

See where your money goes, without handing over your bank login.

Drop in CSV exports from all your accounts and get one clear picture of your income, spending and savings in seconds.

See a sample report
  • Runs in your browser
  • No signup
  • No bank connections

How it works

1

Export a CSV from your bank

Download transactions from each account for the period you want to review.

2

Drop your files in

Add multiple statements at once—checking, savings, credit cards, and more.

3

Get your combined overview

See income, spending, and savings with automatic categorization and filters.

Spend analyzer for bank and credit card statements

Export CSVs from checking, savings, and credit cards, then drop them in together. Spendstat categorizes spending, shows income and what is left after expenses, and treats payments between your own accounts as transfers so they are not counted twice. Also called a spending analyzer—and a credit card spend analyzer when you include card CSVs.

Cost savings tracking tool for your statements

Once your files are loaded, this cost savings tracking tool shows net savings, category totals, and budget vs actual from your own transaction data. Set a savings target and track progress toward it—personal tracking from your statements, not a separate bank login.

Read the spending analysis guide, or create an invoice from a CSV when you need billing alongside your budget overview.

Frequently asked questions

What is a spend analyzer?
A spend analyzer turns bank and credit card statement CSVs into categorized spending, income, and net savings so you can see where money goes without connecting your bank login.
Can I analyze credit card spend from a CSV?
Yes. Spendstat works as a credit card spend analyzer: export your credit card statement as a CSV and drop it in with your other accounts. Card payments between your own accounts are treated as transfers so they are not counted twice.
What is a cost savings tracking tool?
A cost savings tracking tool shows what you keep after spending. After you load statements, Spendstat shows net savings, spending by category, and budget vs actual. You can also set a savings target and track progress toward it from your own transaction data.

Your statements are analysed on your device.

Spendstat reads your CSV in the browser — it is not uploaded for analysis, and there is no account or bank connection. Loaded transactions stay in this browser's storage so Reports and a refresh can restore them; clear them with the site's clear action or your browser settings.

Budget Analyzer

Free Budget Analysis Tool

Use your statement files—add multiple bank statement CSVs at once, each account or card, for any period you choose. Spendstat combines them into one household overview of your total finances (income, expenses, and net cash flow) without double-counting transfers between your own accounts. Everything is processed locally on your device. Zero signup. Zero bank connections.

Drag & Drop Multiple Bank Statements

or click to browse — select every CSV for the period (checking, savings, credit cards, etc.)

Processed locally on your device — your statement file is not uploaded for analysis. Zero signup. Zero bank connections.

Instant Category Organization!

Select your saved keyfile to automatically categorize all matching transactions from your new bank statement. Your previous category mappings will be applied instantly, making future budgeting effortless!

Spending by Category

Alternative to Popular Budgeting Tools

Unlike Mint, YNAB, PocketSmith, and other budgeting apps that require bank account access, our CSV expense analyzer keeps everything local. Perfect for users seeking a budgeting tool without bank sync.

Home Loan Calculator

Used for loan age, remaining term, and payoff dates
Auto-calculated from balance, rate, and remaining term — edit if your lender differs
Include any extra you already put toward the loan each month
0 applies the payment immediately to principal

If You Paid Standard Only

Remaining Interest
$0.00
Time Remaining
0 years, 0 months
Payoff Date
—

At Your Current Payment

Remaining Interest
$0.00
Time Remaining
0 years, 0 months
Interest Saved vs Standard
$0.00
Time Saved vs Standard
0 years, 0 months

With Extra Scenario (Redirected + Once-off)

Further Interest Savings
$0.00
Further Time Savings
0 years, 0 months
Payoff With Extras
—

Estimated Payoff (Current Payment): —

Additional Monthly from Expenses: $0.00

Once-off Payment: $0.00

Standard payment is the minimum needed to clear the loan over the remaining term. What you actually pay can be higher if you already pay extra. Redirected expenses and once-off payments stack on top of your current payment.

Disclaimer: This tool is for informational and educational purposes only. It does NOT constitute financial, investment, tax, or legal advice. The calculations, budget suggestions, and loan projections are illustrative only and should not be used as the sole basis for financial decisions. You should consult with qualified financial professionals before making any financial decisions. View full Terms of Service & Disclaimer.

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