Track Your Expenses. Keep Your Bank Private.
Forward your bank email alerts. Upload a CSV. Drop in a screenshot. SpendKeep's AI Accountant instantly categorizes your spending on your device—without ever asking for your bank login or selling your transaction history.
Read our Privacy Policy to see how we protect your data.
- No bank logins required
- Private AI categorization
- 1-Click data export
Loved by privacy-conscious budgeters. No credit card required.
AI Yearly Financial Insight
Powered by AI Accountant
Just Hunt
See where your money actually goes
without handing it to a megacorp.
SpendKeep isn't just about tracking numbers—it's about helping you build better habits without sacrificing your security.
Stop Wondering Where It Went
Every time you swipe, forward the email alert to SpendKeep. Our AI logs it, tags it, and shows you exactly how many $6 coffees you bought this week—so you can actually do something about it.
Your Data Stays Yours
Other apps demand your bank password so they can scrape your life and sell it to marketers. We don't want your login. Everything runs locally, meaning your net worth is nobody's business but yours.
Budgeting That Doesn't Suck
Staring at a spreadsheet won't change your habits. We automatically contextualize your spending into the 50/30/20 rule (Needs/Wants/Savings), turning an ongoing chore into a clear, simple reality check.
Concerned sharing credentials with bank-sync apps.
Source: Pew Research, 2024Abandon spreadsheets within 30 days due to friction.
Source: Behavioral Finance Study, 2025How it works
Automated, yet completely private. We've streamlined the entire process so you can focus on building wealth.
1. Forward Alerts
Simply forward your bank SMS or email receipts to your private SpendKeep endpoint.
2. AI Accountant
Our AI extracts the exact amounts and securely categorizes them without your data ever leaving your control.
3. Actionable Insights
Open your dashboard to see your spending instantly broken down by Needs, Wants, and Cash Flow.
Tools that actually change how you spend
Zero-Typing Expense Tracking
Just forward your bank's email or text alerts to us. We extract the exact amount and merchant, so you never have to type out receipts again.
Instant, Private Categorization
Powered by our AI Accountant, it figures out what you bought instantly, without you lifting a finger.
Bank-Level Data Locking
Your financial history is locked down with strict security so nobody else can read it. Your data stays yours.
Guilt-Free Spending
See instantly if you're overspending on Wants instead of Needs. We map your habits to the 50/30/20 rule.
Catch Sneaky Subscriptions
Set it and forget it for your fixed bills. We track your recurring charges so you can immediately spot price hikes.
Know Where You Stand
Stop dreading the end of the month. Get a crystal-clear, visual breakdown of your cash flow safely.
Explore our Financial Calculators
We've built a suite of 18+ free, private financial calculators that run entirely in your browser. Calculate EMI, SIP, Retirement, and more without sharing your data.
Real people. Real savings.
SpendKeep helped me cut my food delivery spend by 18% in just two months. Finally, I can actually see where my money goes without handing over my bank password.
Alex P.
Software Engineer
The AI Accountant categorization is scary good. I literally just forward my email receipts and they show up perfectly organized.
Sarah M.
Freelance Designer
I cancelled 3 subscriptions I didn't even know I was still paying for. The Wants vs Needs split is exactly what I needed to build better habits.
David L.
Product Manager
Our Roadmap
We are constantly improving SpendKeep. Here's a look at what we've shipped and what's coming next.
Recently Shipped
- Landing Page Redesign (Dark Mode)
- 15+ Financial Calculators suite
- AI Categorization via AI Accountant
- Cross-platform Mobile App
In Progress
- Redesigning the onboarding flow
- Recurring Transactions Engine
- Budget limits and alert notifications
Planned
- Native Bank Accounts Sync
- Addition of built-in Email Client
- Family / Multiplayer Sharing
- Custom LLM prompts for deeper analysis
Built by operators who
understand the problem.
SpendKeep was created by technical operators who realized existing personal finance applications were missing the bigger picture.
Banking apps show statements.
Finance apps organize expenses.
But none answer the most important question:
"Are my spending habits healthy?"
So they spent months building SpendKeep from scratch. No VC constraints, no bloated overhead. Just highly optimized manual workflows, intelligent browser-based statement mapping, and absolute cryptographic sovereignty.
The result is an institutional-grade manual ledger with zero Plaid dependencies, sub-90s onboarding, and absolute user autonomy.
SpendKeep Timeline
Developed in 2026The Genesis & Schema
First commit. Core PostgreSQL schema built with strict Supabase Row Level Security (RLS).
Mobile App & Core NLP
React Native Expo implementation, Google OAuth, and early NLP expense categorization.
Intelligent Column Mapper
Client-side drag-and-drop CSV statement parser built for high-speed local processing. AI import now supports PDFs and screenshots too.
AI Accountant
Ultra-fast AI classification and automated ingestion of forwarded transaction alerts.
Sovereign Scaling & Growth
Reaching global builders and operators who demand complete personal financial privacy.
Made in Kolkata, India. For global builders who want to truly understand their financial lives.
Ditch the manual spreadsheets.
- No more manual entry at the end of the month.
- Intelligent categorization that actually learns.
- Beautiful native mobile and web experiences.
SpendKeep User
"I used to spend hours manually categorizing my expenses. SpendKeep just reads my SMS alerts and perfectly organizes everything into Needs and Wants. It's like magic."
Your data is yours.
And yours alone.
1-Click Sovereignty. Export your transaction records or purge your entire cloud database instantly. Fully compliant with CCPA & GDPR privacy mandates.
Privacy by design
Your financial footprint is never brokered, aggregated, or leveraged for advertising. SpendKeep is 100% subscriber-supported, maintaining complete independence from data-brokering consortiums.
PostgreSQL Row-Level Security
Your ledger records reside inside segregated rows protected by strict database policies (RLS). No other account, service account, or system query can touch your credentials or transactions.
Secure authentication
Sessions are cryptographically signed with auto-expiring JWT tokens. SpendKeep supports verified OAuth providers to eliminate the attack vectors of standard password lists.
Decentralized philosophy
SpendKeep does not maintain a copy of your bank credentials, and has a strict zero-Plaid, anti-bank sync design. Drag-and-drop bank statements locally to calculate cash flow safely.
Sovereignty & Strategy FAQ
Everything you need to know about financial sovereignty, anti-bank sync design, and SpendKeep mechanics.
Why does SpendKeep reject automatic bank syncing (Plaid)?
Automatic bank-syncing services require your bank login details and keep persistent API connections active, creating massive security risks. In 2022, Plaid settled a $58 million class-action lawsuit for harvesting and selling user financial data without explicit consent. Every active sync credential increases your attack surface. SpendKeep protects your sovereignty by relying exclusively on secure PDF, CSV, and screenshot imports — and user-initiated email alert forwards.
What is Financial Sovereignty?
Financial Sovereignty means maintaining absolute authority and ownership over your personal financial records. Unlike apps that lease or sell transaction metadata to advertising brokers, SpendKeep isolates your data behind encrypted PostgreSQL Row-Level Security (RLS) tables. No third party—including SpendKeep developers—can inspect your numbers without your direct authorization.
How does the client-side Column Mapper protect database security?
The CSV column mapping engine runs 100% locally in your web browser — the raw spreadsheet is never uploaded to an unverified parser server; only mapped, sanitized objects are written to your database. For PDF bank statements and screenshots, our on-platform AI parser extracts transactions securely via your authenticated session.
Is my data encrypted, and can I delete it?
Yes, your data is fully encrypted at rest and in transit. SpendKeep features a 1-click "Total Sovereignty" option that immediately exports all your historical transactions to standard CSV and completely purges your cloud database tables with zero backup retention.
How does SpendKeep track cash flow without automatic bank syncs?
SpendKeep offers a highly automated manual workflow. You can forward bank SMS/email transaction alerts to your unique endpoint, upload statement files via our local mapper, or enter transactions directly. Our AI Accountant analyzes merchant contexts, categorizes each entry, and auto-classifies them into Wants vs Needs.