SpendKeep
Finance Management AI
SpendKeep helps you track and categorize spending privately by forwarding bank alerts—no bank logins, no Plaid, and actionable needs vs wants insights.
What does SpendKeep do?
SpendKeep is a privacy-first, manual budget tracker designed to help you understand where your money goes without giving away access to your bank. Instead of requiring bank logins or bank syncing, you forward your bank email/SMS alerts (or upload a CSV, screenshot, or statement) and SpendKeep’s AI Accountant extracts the amounts and categorizes your spending on your device.
Once your transactions are captured, SpendKeep organizes your spending into Needs vs Wants using a 50/30/20 framework and breaks down your monthly cash flow across income, debt, fixed expenses, investments, and balance. You can also spot patterns like overspending on Wants and recurring charges, so it’s easier to adjust habits before the month ends.
SpendKeep also includes 18+ free, browser-based financial calculators (no account required) for topics like EMI, SIP, retirement, and privacy risk estimations. With on-demand AI yearly financial insights, you can generate annual reports and export or purge your data whenever you need to.
How do I add transactions to SpendKeep without using my bank login?
Forward your bank SMS/email alerts to your private SpendKeep endpoint, or upload a CSV, drop in a screenshot, or use a statement file. The AI Accountant extracts the amount and merchant and categorizes it for you.
Does SpendKeep use Plaid or other bank syncing to retrieve my transactions automatically?
No. SpendKeep is built to avoid bank syncing and never asks for your bank login. Your data is handled through forwarded alerts and local processing.
How does the Needs vs Wants split work?
SpendKeep contextualizes expenses into a 50/30/20-style breakdown, mapping spending into Needs and Wants and tying it to your overall cash flow. This helps you quickly see whether your habits are aligned.
Can I track recurring subscriptions and fixed bills?
Yes. SpendKeep includes a recurring rules approach that helps you automatically handle recurring charges so you can catch subscriptions and price changes as they happen.
Are the financial calculators free, and do they require an account?
The 18+ free calculators run entirely in your browser and don’t require an account.
Can I export or delete my data?
Yes. SpendKeep provides 1-click data export and a 1-click absolute purge option so you can remove your records when you want.