Where does your
money actually go?
Most personal finance tools show you a budget. This one shows you something more useful — the skills gaps behind your spending, and what closing them could be worth over five years.
Your data stays on your device
This tool processes your bank statement entirely in your browser. Your financial data is never uploaded to any server, never stored, and never shared with any third party — including us.
The only external call made is to an AI service to categorise your transactions by merchant name only. No account numbers, no balances, no personal details are included in that call.
When you close this page, everything is gone. There is nothing to delete because nothing was kept.
About 5 minutes. Upload your statement, answer six quick questions about your household, and you'll have a full breakdown of your spending by category — plus a personalised skills assessment and five-year projection. All results are yours to keep.
You'll need a CSV export of your bank statement. Most Irish and UK banks offer this in the transactions or statements section of their online banking.
Step 1 of 3 — Your statement
Upload your bank statement CSV
Export a CSV from your bank's online portal. Remove or leave out any columns with your name, address or account number before uploading — the tool only needs date, description, and amount.
Supports .csv files. Your data never leaves your device.
Step 2 of 3 — Your household
A few questions to personalise your results
These help us give you relevant skills suggestions rather than generic advice.
Analysing your statement
Reading your transactions...
Your skills audit
Spending by category
Your skills assessment
Based on your spending patterns and household setup, here are the areas where building practical skills could make the biggest difference.
All transactions
Every transaction line from your statement, categorised.
| Date | Merchant | Category | Amount |
|---|