SpendKeep
Finance Management AI
Stop Wondering Where Your Money Went.
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What is the main use case for SpendKeep?
SpendKeep is a privacy-first, manual budget tracker that helps users understand and control their spending habits. Unlike bank-syncing apps, it uses a zero-sync architecture — users forward bank SMS/email alerts to SpendKeep, and AI automatically parses and categorizes them. The core question it answers: "Are my spending habits healthy?
What are some unique features of spendkeep.com?
- Auto SMS/Email Parsing — Forward bank alerts; AI extracts amounts and merchants automatically
- LLM Categorization — Powered by Llama-3 via Groq for intelligent expense categorization
- Wants vs Needs Split — Auto-applies the 50/30/20 budgeting framework
- Zero Bank Sync — No bank credentials ever shared (no Plaid dependency)
- AI Yearly Insights — Comprehensive annual financial reports generated on demand
- 18+ Free Financial Calculators — EMI, SIP, Retirement, SaaS Volatility, Privacy Risk, etc. (runs entirely in-browser)
- Recurring Rules Engine — Auto-handles subscriptions and recurring income
- Sovereignty Streak — Behavioral nudge system to build consistent tracking habits
Can a user use SpendKeep for free?
The financial calculators (18+) are completely free and require no account. SpendKeep is still in early access / pre-launch mode with a "Get Started" CTA and the paid tier structure is yet to be published.
Stop Wondering Where Your Money Went.
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6.1.2026
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