Your Finances,
Categorized.
No Data Leaves
Your Device.
Drop your bank CSVs. Watch transactions auto-categorize with smart AI rules. Generate professional P&L reports, dashboards, and month-over-month analysis — all inside a single HTML file with zero setup.
Built Around One Principle:
Your Data Is Yours
Most financial tools sync to the cloud and monetize your data. This one doesn't — and never will.
Privacy First
Your bank data never leaves your browser. No servers, no account required, no databases, no analytics tracking. The file runs entirely offline once downloaded — total data sovereignty.
Smart Automation
A keyword rule engine auto-categorizes on import. The "Learn from Data" feature analyzes your manual assignments and generates new rules automatically — getting smarter as you go.
Instant Reports
Generate print-ready P&L statements, month-over-month comparison tables, analytics dashboards, and per-category drill-down reports — all branded with your company name, directly in your browser.
From CSV to P&L in Four Steps
No tutorial, no onboarding, no account setup. The workflow is designed to be immediately obvious.
Download
Download the single HTML file. Save it anywhere. Open it in Chrome, Firefox, Safari, or Edge — no install, no server, no dependencies.
Import Your CSVs
Export CSVs from your bank(s) and drag them in. Each account becomes a color-coded tab. Duplicate detection prevents double-counting across accounts.
Categorize
Most transactions categorize automatically. Assign any that need attention — a "similar transactions" prompt lets you bulk-apply the category to all matching payees instantly.
Report & Export
Print your P&L, export a categorized CSV for your accountant, or save a session file to pick up exactly where you left off next month.
Powerful Tools for Financial Clarity
Everything you need to understand your finances — organized across 12 feature categories and 96 capabilities.
Import & Account Management
Multi-CSV Import
Combine data from multiple banks and credit cards seamlessly. Each file gets its own color-coded account tab.
Drag & Drop
Drop CSV or session JSON files directly onto the import zone — the app auto-detects and routes each file type.
Duplicate Detection
Identifies overlapping transactions when importing multiple files. Review each one — keep, skip, or replace with a single click.
Smart Categorization
Rule Engine
Keyword and regex rules auto-categorize transactions on import. Ships with a comprehensive starter ruleset for common payees.
AI Rule Learning
"Learn from Data" scans your manual assignments and auto-generates rules — only creates rules with 70%+ consistency across 2+ matching transactions.
Similar Transaction Matching
Assign one transaction and the app finds all others with matching descriptions — apply the category to all of them in one click.
70+ Built-in Categories
Accounting-standard taxonomy: Income, COGS, Payroll, Operating Expenses, Software & Subscriptions, Utilities, Taxes, Vehicle & Travel, and more.
Custom Categories
Add your own categories to any accounting group. Pair each with a keyword to auto-create a matching rule on save.
Bulk Operations
Select multiple transactions and categorize, mark as personal, print a report, or delete — all in one confirmed action.
Reporting & Analytics
Analytics Dashboard
KPI cards, monthly bar chart, expense donut chart, top categories, top income sources, and largest transactions — all clickable to filter the transaction table.
Month-over-Month Matrix
Full 12-column P&L table — every category × every month. Color-coded, section subtotals included, printable in landscape format.
P&L Statement
Formal profit & loss report with income, COGS, grouped expenses, gross profit, and net income — branded with your company name.
Live P&L Panel
A persistent sidebar panel updates your running P&L in real time as you categorize — year-filtered, account-scoped, and clickable to drill into any line item.
5 Print-Ready Reports
P&L Statement, Transaction Detail, Analytics Dashboard, Category Drill-down, and Month-over-Month — all formatted and branded for print.
CSV Export
Export all transactions with assigned categories, groups, accounts, and memos to a clean CSV — ready for Excel, Google Sheets, or your accountant.
Session & Data Management
Auto-Save & Restore
Every change auto-saves to localStorage within 1.5 seconds. Reopen the file and your entire session restores automatically — no prompts needed.
Session File Export
Save your complete session as a JSON file to archive, share, or load on another device. Captures everything: transactions, rules, custom categories, and company name.
Company Name Branding
Enter your business name on first open — it flows through all reports, the P&L header, and the MoM table. Click the topbar name at any time to update it.
See Every Dollar,
Every Month
The MoM matrix gives you the full picture in one spreadsheet-style view — every category, all 12 months, with section subtotals and a net income row at the bottom. Color-coded so patterns jump out instantly. Printable in landscape with your company name in the header.
| Category | Jan | Feb | Mar | Apr | May | Jun | Total |
| INCOME | |||||||
| Services | 4,200 | 4,200 | 8,400 | 4,200 | 4,200 | 4,200 | 29,400 |
| Sales Income | 1,840 | 2,310 | 980 | 3,100 | 1,560 | 2,090 | 11,880 |
| Total Income | 6,040 | 6,510 | 9,380 | 7,300 | 5,760 | 6,290 | 41,280 |
| EXPENSES | |||||||
| Software & Subs | -420 | -420 | -420 | -420 | -420 | -420 | -2,520 |
| Office Supplies | -180 | -340 | — | -220 | -95 | -460 | -1,295 |
| Net Income | 5,440 | 5,750 | 8,960 | 6,660 | 5,245 | 5,410 | 37,465 |
One Tool. One Price. Yours Forever.
No tiers, no feature-gating, no subscriptions. Pay once and you own the file — every feature included, all future updates free.
Buy once, own forever. Download instantly after payment.
Not sure yet?
play_circle Try the live demo — no payment neededOne-time payment. No recurring charges. No subscription. Ever.
Try Before You Buy
The live demo is the full application pre-loaded with sample data. Explore every feature — categorize transactions, view the P&L dashboard, open the month-over-month table — before spending a dollar.