Individuals and households

Know where your salary goes, every month.

Salary arrives, bills leave, and by the end of the month it is hard to say where the rest went. SpendixAI turns your statements into a clear picture without a spreadsheet.

Get started See how it works
Individuals and households using SpendixAI
Sound familiar?

The problems this solves.

  • You do not know which categories take most of your money.
  • Small daily spends and subscriptions add up unseen.
  • Tracking by hand never lasts beyond a few weeks.
Individuals and households: SpendixAI in use
How SpendixAI helps

What you get.

Import instead of typing

Drop in your monthly statements and let SpendixAI read, match and categorise the transactions.

See the shape of your month

The dashboard and Insights show your spend trend, top categories and top merchants at a glance.

Know what you keep

The savings rate and cash-flow reports show how much of your income you actually save.

A typical month

How it fits into your routine.

Four small steps, once a month.

  1. 01

    Import the month

    Download last month’s statements and import each one into the right account.

  2. 02

    Sort what is left

    Clear uncategorised items. Correct a category once and it is remembered.

  3. 03

    Read the month

    Open the dashboard, check the top categories and look at your savings rate.

  4. 04

    Pick one change

    Cancel a subscription, trim a category, or move a fixed amount into savings.

Questions it answers

Ask your money a question.

Each one is answered by a report in the Report library, built from your own transactions.

Where did my salary go this month?

Open the “Top expense categories” report.

How much of my income did I keep?

Open the “Savings rate by month” report.

What do I spend per day, on average?

Open the “Average daily burn” report.

Which subscriptions am I paying for?

Open the “Recurring charges” report.

Which weekday do I spend the most on?

Open the “Day-of-week pattern” report.

How much sits in unsorted spending?

Open the “Uncategorised aging” report.

Features

Parts of the product that matter most.

Spending insightsKnow where your money goes.
TransactionsMake sense of every transaction.
CategoriesSee what your spending means.
Questions

Questions from individuals and households

Do I need to connect my bank?

No. SpendixAI never asks for your net-banking login. You import statements you download yourself.

Is it free to start?

Yes. The Free plan includes statement import, default categories, the dashboard and insights.

How long does a monthly review take?

About twenty minutes. The monthly money review checklist on the blog walks through it.

Guides

Read next

Getting started 5 min read

How to track expenses from your bank statements

A step-by-step routine for turning PDF, CSV and Excel bank statements into a clear expense record, with categories, accounts and duplicates handled.

Read article
Budgeting 5 min read

The 50/30/20 rule: how to test it against your real spending

Needs, wants and savings in a simple split. See how to check the rule against your own categories instead of guessing.

Read article
Getting started 4 min read

A 20-minute monthly money review: the checklist

One short routine each month keeps your records clean and your decisions informed. Follow this checklist using your statements and reports.

Read article
Saving money 4 min read

How to find (and stop paying for) forgotten subscriptions

Small recurring charges add up. Use your transaction history to list every subscription, see its yearly cost and decide what to keep.

Read article
Other use cases

See how others use SpendixAI

Freelancers and consultantsIrregular income, organised records.Small business ownersRun the numbers without a finance team.Accountants and CAsClean client records, ready to work with.Travellers and global spendersSpend in any currency, see one total.
Ready to start?

Try SpendixAI for individuals and households.

Create your account with Google and import your first statement.

Get started