Know where your money goes
Import a bank statement and every line comes back sorted into your categories. On your own or sharing with someone, see what came in, what went out, and what’s left.
Three steps, then it mostly runs itself
Step 1
Drop in a statement
A CSV or PDF export from your bank, or a photo of a receipt you just paid.
Step 2
Skim what it suggests
Every line comes back on the wallet you picked, with a category and a budget already chosen, and anything you have already recorded is flagged as a duplicate.
Step 3
Watch it add up
Your spending breaks down by category and by budget, month after month. Share a budget and everyone in it reads the same figures.
What SavingStat does
AI IMPORT
Stop typing in transactions
Upload a CSV or PDF from your bank or photograph a receipt. Every row comes back on the wallet you picked for the import, with a category and a budget already chosen, and anything matching something you already recorded is flagged before it lands. You review and publish; you do not retype.
- Bank statement CSVs and PDFs, and receipt photos
- Category, budget and income source suggested per row
- Duplicates matched against transactions you already have
- Progress updates live while a large file is processing
STATS
See where it actually went
Spending broken down by category and by budget, and income shown next to it, so the month is a picture rather than a list. Useful precisely because the import means the underlying data is complete.
- Breakdowns by category and by budget
- Monthly totals for income and spending, and a daily chart for each
- Shared budgets included, so the household view is whole
MULTI-CURRENCY
Earn in one, spend in another
Each wallet holds its own currency, and every transaction records two things: what the purchase cost, and what actually left the wallet. Rent in one currency and a coffee in another stay honest side by side, with nothing rounded away.
- A currency per wallet, not one for the whole account
- Both the purchase amount and the wallet amount are kept
- Totals convert using stored rates
Corner Bakery
Eating out · 14 March
45.00 EUR
1 890.00 UAH
SHARING
One set of numbers, both of you
Invite someone by email and share a budget with them. They see the same spending you do, add to it from their side, and neither of you has to forward a screenshot or reconcile two spreadsheets at the end of the month.
- Invite by email; they accept from their own account
- A shared budget shows its members and the categories its spending has used
- Owners keep control of who has access
Household
3 people · 2 480.00 EUR this month
- AKAnna K.Owner
- DMDmytro M.Member
- ?sam@example.comInvite pending
EVENTS
A trip, a wedding, a renovation
Some spending belongs to an occasion rather than a month. Group it into an event, bring in the people involved, and see what the whole thing cost without that spending disappearing into your ordinary categories.
- Give it a name and an emoji, and invite the people involved
- Owners and members, with ownership transferable
- Archive it when the trip is over
Tatras, September
Four days of walking and one very expensive cable car.
Total
1 240.00 EUR
People
4
The pieces underneath
The building blocks the rest of it is made from. Each one has a guide.
Transactions
A transaction is one movement of money: an amount, a date, and the wallet it went through. Money going out carries the categories and budgets you file it under, money coming in carries a source, and money moving between two of your own wallets carries neither.
Budgets
A budget is a container you name and can share: it has an owner, the members you invite, the categories its spending has turned out to use, and totals for what has gone through it. It is how spending is grouped, not a cap on it.
Categories
Categories are the names you give your spending, each with an emoji and a colour so a row reads at a glance. A default set is added when you finish setup, you can rename any of it, and the ones you stop using can be archived.
Wallets
A wallet is an account or a pile of cash: a current account, a card, the notes in a drawer. Each one has a balance and a currency of its own. Mark the one you reach for most as your default, and archive the ones you have closed.
Income sources
An income source is a name for somewhere money arrives from: a salary, a client, a tenant, each with a colour of its own. Record income against one and it breaks down the way your spending does, instead of arriving as a single undifferentiated number.
Transfers
Move money from one of your wallets to another and record it as a transfer: the wallet on each end, the amount that left, and the amount that arrived.
Guided setup
A chat asks how you spend and proposes categories, budgets, wallets and income sources to match. You review the list and change what you like; nothing exists in your account until you accept it.
Not sure what a budget is here?
It is not a spending limit. Short articles explain what each part of SavingStat is, and walk through the things you will actually do with it.
Read how to use SavingStatStart with one statement
Import a month of spending and see where it went. Nothing to configure first.
Get started