Optimize Your Financial Performance With Data, Not Guesswork.
Upload your transaction history. Spendary analyzes behavior patterns, recurring exposures, and hidden cost centers — then shows where to act.
CSV or Excel from your bank. Analysis ready in under a minute.
How It Works
Upload. Analyze. Optimize.
Export your bank data as CSV or Excel. We analyze it with AI. You get a clear, actionable report.
Step 1
1. Upload
- • Export 6–12 months of transactions from your bank.
- • CSV or Excel — no manual entry.
- • Works with any major bank.
Step 2
2. Analyze
AI-powered analysis
- • Understands every transaction
- • Detects patterns and anomalies
- • Generates a tailored report
Step 3
3. Optimize
- • Cancel forgotten subscriptions
- • Spot risk signals early
- • Act on clear recommendations
Security First
Your Data Never Leaves Your Control
No bank login credentials — ever.
CSV-based. No API connection required.
File permanently deleted after analysis.
Real Results
What people actually found
Names omitted for privacy. Results are anonymized from real analyses.
“Found €340/year in subscriptions I'd completely forgotten about. Took under 2 minutes.”
A streaming service, a cloud backup plan, and a news app — all forgotten after free trials.
Freelancer · Berlin
“I was paying €89/month for overlapping streaming services without realizing.”
Cut 3 of them immediately. The report paid for itself in the first week.
Software engineer · Amsterdam
“The annual subscriptions section was the real eye-opener. 3 auto-renewals I hadn't noticed.”
€127 gone every year on things I stopped using over a year ago.
Marketing manager · London
“I expected a boring spreadsheet. Got a full financial health snapshot instead.”
Cashflow trend, category breakdown, risk signals — way more than I anticipated.
Small business owner · Paris
“My cashflow looked fine on paper. Spendary showed a slow leak — €200/month consistently going to 'miscellaneous'.”
Turned out to be impulse food delivery orders. Cutting back saved me over €2,000 in a year.
Product manager · Vienna
“The health score gave me something I never had: a single number to track month over month.”
Went from 54 to 79 in 4 months just by acting on the top 3 recommendations in the report.
Teacher · Madrid
What You Get
Everything in your free report
Total spending breakdown
Category allocation
Recurring payment map
Forgotten subscription flags
Cashflow volatility analysis
Hidden cost detection
Pricing
Start free. Go deeper if you want.
The core analysis is completely free. Upgrade for extended action plans and priority insights.
Free
No credit card€0
Always free
- ✓Full transaction breakdown
- ✓Subscription & recurring payment map
- ✓Hidden cost detection
- ✓Cashflow health score
- ✓Category spending analysis
- ✓No account required
Premium
One-time payment$19
Per report · no subscription
- ✓Everything in Free
- ✓90-day financial action plan
- ✓6-month optimization roadmap
- ✓12-month cashflow projection
- ✓Risk signal deep-dive
- ✓Priority AI recommendations
Why Choose Us
Why Spendary Is Different
Most tools
Focus on budgeting
Track daily expenses, categorize transactions, set limits. Useful — but it doesn't tell you what's actually wrong.
Spendary
Focuses on structure
Structural diagnostics, behavioral signals, forgotten subscriptions, and optimization paths — not just a balance sheet.
This is not a budgeting app.
It's a one-time diagnostic — like an MRI for your finances, not a fitness tracker.
Support
Questions?
Everything you need to know about Spendary.
Is the analysis really free?
Yes. The core report — spending breakdown, subscription map, cashflow health, hidden cost detection — is completely free. No credit card, no account. You can optionally upgrade to the $19 Premium report after seeing your free results.
Is my financial data safe?
Yes. Your file is processed in memory and deleted immediately after analysis. We never store your banking data, and no account means no data retention.
What file format do you support?
CSV and Excel files. Export 6–12 months of transactions from your bank's online portal and upload. Most major banks offer this in their transaction history section.
Do I need to create an account?
No. Upload your file, get your report. No password, no email, no commitment.
How long does the analysis take?
Typically under a minute. You get a comprehensive report with spending patterns, cashflow insights, risk signals, and optimization suggestions.
What's in the $19 Premium report?
The Premium report adds a 90-day action plan, 6-month optimization roadmap, 12-month cashflow projection, and deeper risk analysis — all personalized to your actual transaction data.
Get Started
See what's hiding in your bank statement.
Free. No account. Takes under a minute. Most users find at least one subscription they'd forgotten about.
CSV or Excel · File deleted after analysis · No sign-up