Stop Wondering Where Your Money Went.
Whether you are managing a complex SaaS portfolio or simply trying to break the paycheck-to-paycheck cycle, SpendKeep gives you total control. A privacy-first, manual budget tracker designed to stop the bleed and build wealth.
AI Yearly Financial Insight
Powered by Llama-3 via Groq
You are not in control.
You are reacting.
Most financial apps organize your transactions but fail to answer the only question that actually matters: Are your spending habits healthy?
Apps sell your privacy.
Bank-syncing apps trade your security for convenience. They link your bank credentials, compile your transactions, and sell the raw financial insights to ad brokers. Your net worth shouldn't be a commodity.
Numbers without action.
Knowing you spent $3,200 is just data noise. Traditional budgeting sheets document history but fail to deliver actionable habits. Without contextual diagnosis and behavioral nudges, data is just static noise.
Decisions in the dark.
Without a clear reference point, budgeting feels like an ongoing chore. You never truly know what you can or cannot afford. Intuition is not a strategy. Real control requires intentional check-ins.
Concerned sharing credentials with bank-sync apps.
Source: Pew Research, 2024Abandon spreadsheets within 30 days due to friction.
Source: Behavioral Finance Study, 2025How it works
No manual entry required. We've automated the entire process so you can focus on making better financial decisions.
1. Forward Alerts
Simply forward your bank SMS or email transaction alerts to your unique SpendKeep endpoint.
2. AI Processes
Our intelligent LLM reads the transaction, extracts the exact amount, and categorizes it flawlessly.
3. View Insights
Open your beautiful dashboard on web or mobile to see your spending broken down by Needs, Wants, and Cash Flow.
Everything you need to master your money
Auto SMS Parsing
Forget manual entry. We read your forwarded bank alerts and automatically log the exact amounts and merchants.
LLM Categorization
Our Llama-3 AI engine analyzes your purchases and accurately sorts them into the right budgeting categories every time.
Secure & Private
Your data is stored securely in your own PostgreSQL database, with strict RLS policies ensuring only you have access.
Wants vs Needs
Automatically split your expenses into essentials and discretionary spending to ensure you're sticking to your 50/30/20 goals.
Recurring Rules
Set up custom rules for subscriptions and recurring income. Our engine auto-approves them seamlessly on schedule.
Yearly Insights
Generate comprehensive annual reports powered by AI to understand long-term trends and optimize your financial future.
One Tool. Two Superpowers.
SpendKeep meets you where you are — whether you are learning to budget or running a lean SaaS operation.
Build Awareness.
Break Bad Habits.
Automated budgeting apps cause financial amnesia. SpendKeep's guided manual-entry and 90-Second Import Loop forces you to actually look at your spending. Spot hidden subscription traps, cut the daily waste, and finally feel confident about your cash.
- Guided manual entry that builds real awareness
- Spot and cut hidden subscription traps instantly
- Wants vs Needs split for the 50/30/20 framework
Zero-Sync.
Total Privacy.
Stop handing your bank credentials to vulnerable third-party data aggregators. SpendKeep operates on a strict zero-sync architecture. Map your institutional ledgers, track capital waste, and manage SaaS sprawl without exposing your attack surface.
- Zero bank credential sharing — ever
- PDF, CSV, and screenshot import from any institutional ledger
- Track SaaS sprawl and capital waste with full audit trail
Explore our Financial Calculators
We've built a suite of 18+ free, private financial calculators that run entirely in your browser. Calculate EMI, SIP, Retirement, and more without sharing your data.
Our Roadmap
We are constantly improving SpendKeep. Here's a look at what we've shipped and what's coming next.
Recently Shipped
- Landing Page Redesign (Dark Mode)
- 15+ Financial Calculators suite
- AI Categorization via Llama-3
- Cross-platform Mobile App
In Progress
- Redesigning the onboarding flow
- Recurring Transactions Engine
- Budget limits and alert notifications
Planned
- Native Bank Accounts Sync
- Addition of built-in Email Client
- Family / Multiplayer Sharing
- Custom LLM prompts for deeper analysis
Built by operators who
understand the problem.
SpendKeep was created by technical operators who realized existing personal finance applications were missing the bigger picture.
Banking apps show statements.
Finance apps organize expenses.
But none answer the most important question:
"Are my spending habits healthy?"
So they spent months building SpendKeep from scratch. No VC constraints, no bloated overhead. Just highly optimized manual workflows, intelligent browser-based statement mapping, and absolute cryptographic sovereignty.
The result is an institutional-grade manual ledger with zero Plaid dependencies, sub-90s onboarding, and absolute user autonomy.
SpendKeep Timeline
Developed in 2026The Genesis & Schema
First commit. Core PostgreSQL schema built with strict Supabase Row Level Security (RLS).
Mobile App & Core NLP
React Native Expo implementation, Google OAuth, and early NLP expense categorization.
Intelligent Column Mapper
Client-side drag-and-drop CSV statement parser built for high-speed local processing. AI import now supports PDFs and screenshots too.
Llama-3 Groq Engine
Ultra-fast AI classification and automated ingestion of forwarded transaction alerts.
Sovereign Scaling & Growth
Reaching global builders and operators who demand complete personal financial privacy.
Made in Kolkata, India. For global builders who want to truly understand their financial lives.
Ditch the manual spreadsheets.
- No more manual entry at the end of the month.
- Intelligent categorization that actually learns.
- Beautiful native mobile and web experiences.
SpendKeep User
"I used to spend hours manually categorizing my expenses. SpendKeep just reads my SMS alerts and perfectly organizes everything into Needs and Wants. It's like magic."
Recognized & Featured
Just Hunt
Your data is yours.
And yours alone.
1-Click Sovereignty. Export your transaction records or purge your entire cloud database instantly. Fully compliant with CCPA & GDPR privacy mandates.
Privacy by design
Your financial footprint is never brokered, aggregated, or leveraged for advertising. SpendKeep is 100% subscriber-supported, maintaining complete independence from data-brokering consortiums.
PostgreSQL Row-Level Security
Your ledger records reside inside segregated rows protected by strict database policies (RLS). No other account, service account, or system query can touch your credentials or transactions.
Secure authentication
Sessions are cryptographically signed with auto-expiring JWT tokens. SpendKeep supports verified OAuth providers to eliminate the attack vectors of standard password lists.
Decentralized philosophy
SpendKeep does not maintain a copy of your bank credentials, and has a strict zero-Plaid, anti-bank sync design. Drag-and-drop bank statements locally to calculate cash flow safely.
Sovereignty & Strategy FAQ
Everything you need to know about financial sovereignty, anti-bank sync design, and SpendKeep mechanics.
Why does SpendKeep reject automatic bank syncing (Plaid)?
Automatic bank-syncing services require your bank login details and keep persistent API connections active, creating massive security risks. In 2022, Plaid settled a $58 million class-action lawsuit for harvesting and selling user financial data without explicit consent. Every active sync credential increases your attack surface. SpendKeep protects your sovereignty by relying exclusively on secure PDF, CSV, and screenshot imports — and user-initiated email alert forwards.
What is Financial Sovereignty?
Financial Sovereignty means maintaining absolute authority and ownership over your personal financial records. Unlike apps that lease or sell transaction metadata to advertising brokers, SpendKeep isolates your data behind encrypted PostgreSQL Row-Level Security (RLS) tables. No third party—including SpendKeep developers—can inspect your numbers without your direct authorization.
How does the client-side Column Mapper protect database security?
The CSV column mapping engine runs 100% locally in your web browser — the raw spreadsheet is never uploaded to an unverified parser server; only mapped, sanitized objects are written to your database. For PDF bank statements and screenshots, our on-platform AI parser extracts transactions securely via your authenticated session.
Is my data encrypted, and can I delete it?
Yes, your data is fully encrypted at rest and in transit. SpendKeep features a 1-click "Total Sovereignty" option that immediately exports all your historical transactions to standard CSV and completely purges your cloud database tables with zero backup retention.
How does SpendKeep track cash flow without automatic bank syncs?
SpendKeep offers a highly automated manual workflow. You can forward bank SMS/email transaction alerts to your unique endpoint, upload statement files via our local mapper, or enter transactions directly. Our Meta Llama-3 AI engine analyzes merchant contexts, categorizes each entry, and auto-classifies them into Wants vs Needs.