Drop in 12 months of bank statement CSV exports and get an automatic breakdown of where your money actually goes — categorized, averaged, and ready to feed into the Budget Builder. Runs entirely on your computer in this browser tab. We never see your data.
🔒 No upload🔒 No server🔒 No storage🔒 No tracking🔒 Refresh = gone
🤗 How Your Privacy Is Protected
Nothing is uploaded. The "Choose Files" button uses your browser's local file API. Your CSV files are read on your device and never transmitted to DebtHelp or anyone else.
No server processing. All categorization, averaging, and analysis runs in JavaScript inside this page. No part of this analysis touches our servers.
No persistent storage. We do not save anything to long-term browser storage. Closing or refreshing this tab erases all your data immediately.
No analytics on this page. We've removed tracking from this page so even page-view data doesn't include details about your activity here.
You're in control. A "Clear All Data" button at the bottom of the results wipes everything immediately. Or just close the tab.
1Download CSV Files From Your Bank
Most banks let you export 90 days at a time. Run the export 4 times to get a full year. Pick CSV format (sometimes called "Comma-Separated Values" or "Spreadsheet").
Chase
Sign in to chase.com
Click your account › "See activity"
Click the download icon (top right of activity list)
Choose CSV, set the date range, click Download
Repeat for each 90-day window
Bank of America
Sign in to bankofamerica.com
Open your checking account
Click "Download" near the activity list
Choose "Microsoft Excel format with all transactions"
Set date range and download
Wells Fargo
Sign in to wellsfargo.com
Click your account › "Download Account Activity"
Choose date range and "Comma Delimited" format
Click Download
Capital One
Sign in to capitalone.com
Open your account › "Download Transactions"
Choose date range and CSV format
Click Download
USAA
Sign in to usaa.com
Open your account › "Download Account History"
Choose CSV format and date range
Click Download
Discover
Sign in to discover.com
Click "Activity" › "Download Transactions"
Choose CSV (with "Generic" or "Spreadsheet" option)
Set date range and download
Citi
Sign in to citi.com
Click "Download/Export Transactions"
Choose Excel/CSV format and date range
Click Download
Other banks (general)
Look for "Download," "Export," or "Statement" near the transaction list
Choose CSV / "Comma Delimited" / Excel format
Set the longest date range available (typically 90 days)
Repeat as needed to cover 12 months
2Add Your CSV Files
Drop one or more CSV files below. You can mix multiple accounts (checking + credit cards), and the analyzer will combine everything. Files stay on your device.
3Analyze Your Spending
When you're ready, click below. The analysis runs locally and shows you category averages, detected subscriptions, and the largest individual transactions to review.
Average Monthly Snapshot
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Avg Monthly Income
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Avg Monthly Spending
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Avg Monthly Net
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Transactions Analyzed
Spending by Category
Average per month, sorted by amount. Categorization is automatic and may be wrong — use this as a starting point, not gospel.
Category
Avg / Month
% of Spending
Transactions
Detected Subscriptions & Recurring Charges
The biggest hidden money in most budgets. These look like recurring monthly charges. Review the list below — if anything is something you don't actively use, cancel it before your next charge date.
Merchant
Monthly Amount
Times Charged
Total Paid
Largest Individual Transactions
Top 15 single transactions to review. Big one-time hits skew "average monthly" numbers — manually exclude one-offs (a vacation, a wedding, a tax payment) when comparing to a typical month.
🤖 AI-Powered Recommendations Sends Data Off-Device
Optional: get a personalized list of cash-flow opportunities (subscription stacking, dining patterns, debt-payment leverage, fee alerts, etc.) generated by AI.
⚠ Heads up — this step is different from the rest of this page.
The rest of this analyzer runs 100% in your browser. Clicking the button below sends a summary of your spending to our server, which forwards it to an AI service (Microsoft Azure OpenAI) for analysis.
What gets sent:
Your category averages (e.g., "Groceries: $612/mo")
The list of detected subscriptions and their monthly amounts
Total income, total spending, and number of months covered
What does NOT get sent:
Individual transaction details, dates, or merchant names beyond the subscription list
Your name, account number, address, or any identifying information
Your CSV files themselves
Storage: we don't save your spending summary to a database. It's processed once and discarded. Microsoft Azure may briefly retain inputs for abuse monitoring per their standard policy. If that's a no-go, skip this step — the rest of your analysis still works without it.
Analyzing your spending… (typically 5-10 seconds)
🌱 Send These Numbers to the Budget Builder
The button below pre-fills the Budget Builder with the average monthly amounts from your statements. The handoff uses your browser's session storage (per-tab, cleared when you close this tab) — nothing is uploaded.
Educational tool only. Automatic categorization uses keyword matching against transaction descriptions. It will miscategorize some transactions — especially generic descriptions like "POS PURCHASE" or merchant names that overlap categories (a Walmart purchase is groceries OR shopping; the tool guesses). Use the output as a starting point, not a final budget. This tool is not financial advice and does not replace working with a CPA, a financial planner, or your DebtHelp counselor. Recurring-charge detection looks for transactions of similar amounts repeating roughly monthly — legitimate variable bills (utility bills, etc.) may show up here, while genuine subscriptions with annual billing won't. Always review before acting.