Transform your bank and credit card statements into beautiful charts and actionable insights — all on your device, never in the cloud.
Available for Windows & macOS · No credit card required
Professional-grade financial analysis with a clean, simple interface — no finance degree required.
Interactive charts for spending by category, monthly trends, year-over-year comparisons, and subscription tracking.
Drag and drop CSV or PDF statements from any bank. Automatic duplicate detection merges across months seamlessly.
On-device AI auto-categorizes your transactions. Review low-confidence results manually and train the model to your habits.
Create, merge, rename, and delete categories. Bulk-edit merchants and compact similar descriptions into clean groups.
Your financial data never leaves your computer. No accounts, no telemetry, no cloud sync. Ever.
Five chart color themes — Default, Vibrant, Ocean, Sunset, Neon — plus light and dark mode support.
Drill into any category to see monthly trends, top merchants, and every transaction at a glance.
Automatically detects recurring charges and subscriptions so you know exactly what you're paying each month.
A clean, powerful interface that makes financial analysis genuinely enjoyable.
Dashboard — $13,195 total spending across 180 transactions, with category breakdown and monthly trends
AI categorized 19 transactions automatically and surfaced 99 low-confidence ones for one-click review
25 categories organized with merchant-level detail — see exactly what each category contains
Import screen — drag and drop CSV or PDF statements, then review before committing
Most finance apps require cloud accounts and upload your transaction history to their servers. SpendScope is different — it runs entirely on your machine.
Financial data is some of the most sensitive personal information you have. SpendScope was designed from the ground up to never transmit it anywhere.
"No accounts, no cloud sync, no tracking — just pure financial analysis."
Four simple steps to complete visibility into your spending.
Drag and drop your bank or credit card statements — CSV or PDF. SpendScope handles the parsing.
AI auto-categorizes your transactions. Review any uncertain ones and train the model to match your habits.
Explore interactive charts, monthly trends, category breakdowns, and subscription summaries.
Spot patterns, cut unnecessary subscriptions, and make smarter financial decisions backed by your real data.
See why privacy-focused users choose SpendScope.
| Feature | SpendScope | Mint | YNAB | Personal Capital |
|---|---|---|---|---|
| Works offline | ✓ Yes | ✕ No | ✕ No | ✕ No |
| No account required | ✓ Yes | ✕ No | ✕ No | ✕ No |
| No cloud data upload | ✓ Yes | ✕ No | ⚠ Partial | ✕ No |
| CSV / PDF import | ✓ Both | ✕ No | ✓ CSV only | ✓ CSV only |
| One-time purchase | ✓ Yes | ✕ Free/Ads | ✕ Subscription | ✕ Subscription |
| Desktop app | ✓ Yes | ✕ Web only | ✕ Web only | ✕ Web only |
| Ad-free | ✓ Yes | ✕ Has ads | ✓ Yes | ✓ Yes |
7 days of full access. No account. No credit card. No data collection.
Free 7-day trial · One-time purchase · No subscription