Upload once.
Your finances instantly organized.
Automatically categorize transactions, detect subscriptions, and see where your money goes, instantly.
No bank login • No data syncing • CSV upload only
Go from messy to crystal clear
Spendcal removes the manual work between your statement file and understanding your finances.
- ✖Manual entry and categorization
- ✖Manual stats and spreadsheet tracking
- ✖Manual subscription and bill checks
- ✔Automatic transaction organization
- ✔Instant insights and clear summaries
- ✔Automatic recurring subscription detection
See everything, without the clutter
How it works
You upload. Spendcal organizes.
No manual spreadsheet cleanup. Just clear financial visibility in seconds.
Upload your file
Export a CSV from your bank and upload it to Spendcal. No account linking or credential sharing required.
Spendcal organizes it
AI automatically categorizes transactions and detects recurring subscriptions.
See where your money goes
Instantly view spending patterns across categories, merchants, and days.
Make smarter decisions
Track budgets and insights to stay on top of your monthly spending.
Pricing
Simple pricing. Start free.
No hidden fees. Upgrade when you need deeper budgeting insight.
Basic
Free plan for manual budgeting with up to two accounts.
- Two accounts (Bank / Credit Card)
- Unlimited categories
- 6 months of data
Monthly
Flexible month-to-month plan.
- Everything in Basic
- Multiple accounts
- AI category recognition
- Full data history
- Dashboard access
- Insight analysis
- Recurring analysis
Yearly
Best value annual plan.
- Everything in Monthly
- Regular: $24/year
- Discounted: $12/year
- Lowest effective cost
Blog
Read. Learn. Spend smarter.
How to import a bank CSV into Spendcal
Import your first bank CSV, map it to the right account, and verify your daily spending in minutes.
4 min readSpending ReviewA monthly spending review routine that takes less than 10 minutes
A short monthly routine can catch subscription creep, repeated spending spikes, and payment timing issues before they become habits.
5 min readPrivacyWhy privacy-first expense tracking still matters
Not every personal finance tool needs direct bank connectivity. Manual import can be a strength when clarity and control matter more than automation.
4 min readFAQ
Common questions
Spendcal currently supports the CSV format used in your import workflow. We will continue expanding format support over time.
Upload once. Instantly organized.
Turn messy transaction files into clear financial insight in seconds, without a spreadsheet.
No credit card required. Free plan available.