AI · spending categorizer

See where your money went.

Drop a statement. AI categorizes every transaction and totals it up.

Drop a PDF or CSV

we'll parse it, then AI tags every row

How AI categorization works

Step 1
Upload statement
Drop any PDF or CSV bank statement. We parse it locally first.
Step 2
Read transactions
We extract the date, description, and amount of every transaction row.
Step 3
AI categorizes
Each description is sent to an AI model that assigns a category based on merchant and wording patterns.
Step 4
Review & download
See a summary by category and a full table. Export as CSV when you're happy.

Categories we detect

The AI assigns each transaction to one of these categories based on the merchant name, transaction description, and amount patterns.

Groceries
Dining & Restaurants
Rent & Housing
Utilities
Transportation
Healthcare
Entertainment
Shopping
Income & Salary
Investments
Insurance
Subscriptions
Travel
Education
Fees & Charges
Other

Categories are inferred from text — the AI doesn't know your personal budget labels. Always review the output before using it for tax or accounting.

Privacy & data handling

PDF parsing happens locally in your browser. Only the transaction descriptions and amounts (not full file contents) are sent to the AI categorization service. No personally identifiable information is transmitted.

Local parsing No file upload No storage

Frequently asked questions

Is the categorization accurate?
It's very good for common merchants (supermarkets, gas stations, subscriptions) but can miss context for ambiguous descriptions like 'TRANSFER' or 'PAYMENT'. Always review before relying on the totals.
What AI model is used?
We use Google's Gemini model via the Lovable AI Gateway. Only descriptions and amounts are sent — no names, account numbers, or balances.
Can I change a category?
Not yet in the UI. For now, download the CSV and edit categories in Excel or Google Sheets. Custom categorization rules are on our roadmap.
Does it work with credit card statements?
Yes. Any statement with transaction rows works — checking, savings, credit cards, and investment accounts.
Is this free?
Yes. AI categorization is free to use. Fair-use limits may apply if demand is very high.

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