SpendKeep AI — Privacy-First Personal Finance & Expense Tracker

About SpendKeep AI — Privacy-First Personal Finance & Expense Tracker

SpendKeep is a privacy-first expense tracker for people who want to understand spending without giving a bank login to a sync app. It is designed for budgeters, operators, and anyone who prefers manual control over automatic bank connections.

The product lets users forward bank email or SMS alerts, upload CSV files, or drop in screenshots and PDFs. Its AI Accountant extracts transaction details, categorizes spending on the device, and breaks it down into useful views such as Wants vs Needs, cash flow, and recurring fixed bills. The dashboard is built to show where money actually goes and to make monthly habits easier to review.

SpendKeep emphasizes local processing, zero bank sync, and data control. The site says users can export transaction records or purge their database instantly, and that the service does not store bank credentials or use Plaid-style connections. It also offers 18+ free financial calculators that run entirely in the browser for tasks like EMI, SIP, and retirement calculations.

This makes the product useful for people who want expense tracking, subscription spotting, and habit-oriented budgeting without handing over financial credentials. The homepage also highlights a cross-platform mobile app, browser-based statement mapping, and private AI categorization as core parts of the workflow.

Key features:
- Forward bank email or SMS alerts to log transactions without manual typing.
- Upload CSVs, screenshots, and PDFs for local statement mapping and categorization.
- AI Accountant categorizes spending and organizes it into Needs, Wants, and Cash Flow.
- Tracks recurring charges to help spot subscriptions and price increases.
- Supports 1-click export and 1-click purge of transaction records.
- Runs 18+ private financial calculators entirely in the browser.
- Uses privacy-focused design with no bank login requirement and no bank sync.