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
How 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 CSV 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
- CSV/OFX 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
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."
Just HuntCommon Questions
Everything you need to know about SpendKeep and privacy-first personal finance.
Why is bank sync dangerous for personal finance apps?
Bank sync services like Plaid and Yodlee require your banking credentials and create persistent API connections to your accounts. In 2022, Plaid settled a $58 million class-action lawsuit for collecting and sharing user financial data without adequate consent. Every connected account increases your attack surface — the number of third-party systems that can access your transactions, balances, and spending patterns. SpendKeep eliminates this risk entirely by using email forwarding and CSV imports instead.
What is Financial Sovereignty?
Financial Sovereignty means maintaining complete ownership and control over your personal financial data. Unlike apps that require bank login credentials or third-party aggregators, SpendKeep stores all data in your own PostgreSQL database with Row-Level Security (RLS) policies. No third party — including SpendKeep itself — can access your transaction data without your explicit action. You own your data, period.
How does SpendKeep track expenses without linking my bank?
SpendKeep offers three data input methods: (1) Email forwarding — forward your bank transaction alert emails to your unique SpendKeep address, and our AI parses the amount, merchant, and date automatically. (2) CSV/OFX import — download a bank statement and upload it directly. (3) Manual entry — type transactions yourself with AI-assisted categorization. All three methods work without ever sharing your bank login credentials with anyone.
Is SpendKeep free to use?
Yes, SpendKeep is currently free during the beta period. All core features — expense tracking, AI categorization via Llama-3, Wants vs Needs budgeting, annual reports, and the full suite of 18+ financial calculators — are available at no cost. Our calculators run entirely in your browser with zero data transmission, making them permanently free and private.
What AI model does SpendKeep use for categorization?
SpendKeep uses Meta's Llama-3 large language model, served via Groq's inference API for ultra-fast response times. When you forward a bank alert or enter a transaction, the AI analyzes the merchant name and transaction context to accurately categorize it (e.g., Groceries, Transport, Entertainment) and classify it as a Need or Want for 50/30/20 budget tracking. The model also generates annual financial insight summaries.