Where your money goes and how much you really have

Drag a CSV or XML (camt.053) file into the dashboard. The format is detected automatically, and before anything is saved you see the first 20 rows and can check that everything was recognized correctly.

LHV, Swedbank, SEB, Coop Pank, Revolut and Wise are recognized with no setup. Banks that only provide camt.053 work too. An unfamiliar CSV can be uploaded by mapping the columns by hand once.

Your rules run first, then your earlier choice for that payee, then the built-in dictionary, and only at the very end an AI model. The model receives nothing but the merchant name: no amounts and no data about you.

Change a payee’s category and it changes in all of that payee’s transactions and in future statements. You can also write your own rules based on the transaction text and apply them to past rows.

Four headline figures for a month or a year: how much you spent, how much you received, what is left and what took the most. Each one is compared with the previous period.

Spending, income and the difference between them by month, as amounts or as shares. For the last twelve months or for any year you choose: you can see which category is growing and which is holding steady.

A separate tab shows who you pay most often and who gets the most. The same tab lets you change the category for all of a payee’s transactions in one action.

Filter transactions by account and category, find everything left without a category, search by payee or payment description, sort by date and amount.

Set up several accounts, personal and company ones, with the company name. View them one by one or all together.

A transfer from one of your accounts to another should not look like spending. Such transactions are found by the account number or by a matching transaction within three days, and are marked as transfers.

Does a one-off transaction distort the picture of the month? Hide it: it disappears from the list and from the totals. The “Show hidden” switch brings it back on screen.

Statements for overlapping periods can be uploaded without worry: transactions that are already known are skipped, as are the bank’s service rows with balances and turnover.

Money in accounts, property, debts and investments. Name the rows whatever suits you: “Apartment”, “Car”, “Mortgage”. Capital equals assets minus liabilities.

Portfolios from the “My portfolio” section go into your capital automatically and are valued at their current positions. There is no need to enter or update them by hand.

The account balance is taken from the camt.053 statement and then moves with every new transaction. For accounts with no balance in the statement, an estimate based on turnover is available.

Property is entered at its value and then loses value honestly: set an annual depreciation rate or record the depreciation by hand.

A repayment of loan principal is recorded straight from a budget row. A debt can be linked to an asset: then, next to the apartment, you see how much of it is already yours.

Bought a car or an appliance? A budget row with the “Large purchase” category can be moved into your capital: it is property, not spending.

Every balance is stored with its date, so you see how capital changes over time: for one year, three years or the whole history, up to five years month by month.