To use a lot of money apps in India, the first thing they ask for is access to your bank — via net-banking credentials or an account-aggregator consent. It feels normal now. It shouldn't. There's a simpler, more private way to get the same insight.
The quiet cost of "just connect your bank"
Connecting your bank means a third party gets an ongoing window into your accounts. Even when it's done well, it means:
- More access than you need for the job of "categorise my spending."
- An ongoing connection, not a one-time look.
- Another party in the chain that could be breached.
For understanding where your money goes, that's a lot of risk for very little extra benefit.
Your statement already has the answer
Here's the thing: the CSV or PDF statement your bank gives you contains every transaction you want to analyse. Date, description, amount, in or out. That's all categorisation needs.
Upload that file and you get the full picture — with none of the standing access. When you want next month's view, you upload next month's statement. Nothing is watching in between.
The most private data connection is the one that doesn't exist.
"But isn't uploading a file a hassle?"
A little — and it's worth it. It's a few taps once a month, in exchange for never sharing a password and never granting a sync. And a good tool makes the upload the only manual step: it reads the columns, applies your rules, and asks about anything new.
Privacy as the default, not a setting
We built this app around exactly this idea. You never share bank credentials. The home-page demo even parses your file entirely in your browser — nothing is uploaded at all. And inside the app, the AI can never write to your books without your explicit confirmation.
Understanding your money and protecting your privacy shouldn't be a trade-off. Read more about how we handle your data.