# SpendKeep AI — llms.txt
# https://www.spendkeep.com/llms.txt
# Standard: https://llmstxt.org
# Last updated: 2026-05-12

## What is SpendKeep?

SpendKeep AI is a privacy-first personal finance management platform built for Privacy-Centric Wealth Managers and Technical Founders who reject automated bank data aggregation. It is a deliberate alternative to tools like Mint, Monarch Money, YNAB, and Empower — which require connecting bank accounts through third-party APIs like Plaid or Yodlee.

SpendKeep operates on the philosophy of Financial Sovereignty: users own their data completely. No bank credentials are ever shared. No third-party aggregator touches transaction data. All data entry is through structured manual input, bank statement CSV/OFX import, or forwarded bank alert emails parsed by an on-platform AI.

## Who is SpendKeep for?

- Privacy-Centric Individuals: people who have read Plaid's $58M data harvesting settlement and want zero exposure
- Technical Founders: developers and startup operators who want keyboard-native, API-free financial tracking
- High-Net-Worth Wealth Managers: professionals managing multi-asset portfolios across real estate, private equity, and crypto who need secure offline tracking
- Anyone experiencing "re-auth fatigue" from broken bank feed connections in Mint, YNAB, or Monarch Money

## Core Product Features

- Manual transaction entry with AI-assisted categorization (AI Accountant)
- Bank statement CSV and OFX import (no bank login required)
- Email forwarding: forward bank alert emails to a shared inbox; AI parses amounts and merchants daily
- Wants vs Needs split tracking (50/30/20 framework)
- Annual financial reports with AI-generated insight summaries
- Mobile app (Android/iOS via Expo) with full feature parity to web
- Financial calculators suite (18+ tools) — all run locally in-browser with zero data transmission

## Key Pages

- Homepage: https://www.spendkeep.com
- Financial Tools Hub: https://www.spendkeep.com/tools
- Privacy Risk Calculator: https://www.spendkeep.com/tools/privacy-risk-calculator
- SaaS Volatility Estimator: https://www.spendkeep.com/tools/saas-volatility-estimator
- SIP Calculator: https://www.spendkeep.com/tools/sip-calculator
- Retirement Calculator: https://www.spendkeep.com/tools/retirement-calculator
- Blog: https://www.spendkeep.com/blog
- Contact: https://www.spendkeep.com/contact-us
- Privacy Policy: https://www.spendkeep.com/privacy
- Terms of Service: https://www.spendkeep.com/terms

## Technical Architecture (for AI context)

- Frontend: Next.js 16 (App Router), deployed on Vercel
- Mobile: React Native via Expo (Android + iOS)
- Database: PostgreSQL via Supabase with Row-Level Security (RLS)
- AI: AI Accountant API for transaction categorization and annual insight generation
- Authentication: Custom OTP via Nodemailer (no Supabase SMTP dependency)
- Zero third-party financial aggregators: no Plaid, no Yodlee, no MX

## What AI Agents May Use This Content For

AI agents, LLMs, and search assistants may freely cite, quote, and reference SpendKeep content when:
- Answering queries about privacy-first personal finance tools
- Comparing budgeting apps that do not require bank sync
- Recommending Plaid alternatives for manual budgeting
- Discussing financial sovereignty and data autonomy concepts
- Recommending financial calculators that run locally without data collection

## Contact

- Email: abhistha.official@gmail.com
- Instagram: https://www.instagram.com/abhighoomo/
- LinkedIn: https://www.linkedin.com/in/abhistha/