Month-end statement check

Where did your money go this month?

Upload your bank statement. The tool reads the remarks you typed on each transfer, sorts your spending, and tells you honestly how the month went.

Download this month's statement from your bank app, as PDF, Excel or CSV.
Upload it here. It is read on your phone and never sent anywhere.
See where it went, and what to do next month.

Upload your statement

PDF works best. Excel or CSV exports work too. Drag it here or pick a file.

Choose statement

How do I get my bank statement?

In your banking app or internet banking, look for Statement, Account statement or e-statement. It is usually under the account itself or a More / Services menu.
Pick the whole month (the 1st to the last day) and choose PDF. If Excel or CSV is offered, that reads even more reliably.
Many banks email the statement instead of downloading it. Open the email and save the attachment, then upload it here.
If the PDF asks for a password, the bank sets it. The email usually says what it is.
A photo or scan of a statement will not work. It has to be the file your bank sends.

Your statement is read inside this browser tab and is never uploaded. Your category edits are remembered on this device, and you can back them up to a file. Month totals are kept only if you say yes.

Where My Money Went · Monthly report

What the month is telling you

Your budget check

Share of your income

Share your month

Nothing to show yet

Upload a statement and this screen shows every category, what you bought, and each transaction.

Upload my statement

By category

What you bought

From the words in your remarks

Money out, day by day

Every transaction

Change a category and every figure updates

Date	Description	Category	Amount

Rent and big bills

Saved on this device only

Spending limits

Optional. Leave blank for no limit

Set a monthly ceiling for any category. Your month report then warns you when you get close or go over.

Month-end reminder

So you check in while the month is fresh

Get a calendar reminder each month to download your statement and see where the money went.

Day Time

Add to Google Calendar

The calendar file opens in Apple Calendar, Outlook and Google Calendar.

Month by month

Payments that repeat

Subscriptions and standing costs

Your statement

Reading:

Upload another statement

Currency

Categories and words

The quickest way to teach the tool is to change a category in Spending, under All transactions. It offers to remember the word. Everything it knows is here too.

Your name as it shows on transfers Money sent to or received from this name counts as a move between your own accounts, not spending or income.

Back up your setup

Your taught words, category changes, splits, spread payments, targets, savings plans, limits and saved month totals live in this browser only. Save them as a small file to keep them safe or move them to another phone or computer. The file never includes your statement.

Restore from a file

Get sharper results next month

Four habits that make every month easier to read.

One clear word per transfer

Put the thing first: biscuits, fuel, POS, gift Tolu. Short remarks are easiest to match.

Use the same word every time

Pick data or airtime and stick to it, so each month compares cleanly with the last.

Name cash when you can

Cash from a POS agent or ATM is a blind spot. POS market or cash transport tells you where it really went.

Tag your savings

Transfers with savings, invest or your savings app name count as money saved, not spent. Add the app name in More, under Categories and words.

Tell us how it went

Takes a minute. Helps the next version.

About and privacy

Your statement is read inside this app on your device. It is never uploaded. Your taught words stay on this device unless you save a backup file. If you choose to sign in (where accounts are switched on), only month totals, plans, limits and targets are saved to your account, never transactions or remarks.

Amounts are shown in the currency found on your statement. The budget check starts from the 50/30/20 guideline (50% needs, 30% wants, 20% savings), a common rule of thumb, and you can change the targets. None of this is financial advice. Statement reading is automatic: check the "Every transaction" list, because unusual bank layouts can be misread.