SpendCheck: Spending Insights

Know where your money goes.

SpendCheck turns PDF credit card statements into a clear picture of your spending. No bank connection or bank login details required.

QUICK ANALYSIS
Upload up to two statements and choose Basic or Detailed analysis. See spending categories and compare statements. Go deeper with daily patterns, subscriptions, irregular expenses and individual purchases. Add statements from Detailed analysis to Control Center at no extra Credit charge.

CONTROL CENTER
Build your spending history across months and cards. Choose which statements to include, explore spending trends and dive into individual expenses. Combine statements in different currencies and choose the currency used to display your results.

MAKE IT YOURS
Create and rename expense categories, reassign categories and types, or restore the original classification.

SPENDING INSIGHTS
Discover your spending profile, leading categories, frequent merchants and weekday patterns. Insights adjust automatically as your selections, ratings and income change.

HAPPINESS & VALUE
Mark purchases as Necessary or Optional and rate how much happiness optional spending brings. Review purchases grouped by merchant and subscriptions separately. Compare happiness and value across categories and merchants, or disregard purchases you do not want included.

EXPLORE YOUR SAVINGS
Add your monthly take-home income to compare income, recorded spending and estimated savings. Adjust your monthly spending target and explore how spending more or less could affect projected year-end savings.

SAVE AND EXPORT
Access saved results, ratings, categories and income settings across iPhone and web. Export spending reports and Spending Insights, choosing which sections and expense details to include.

SHARE ON SOCIALS
Turn your spending breakdown into a visual story to share with friends or on social media. Choose a statement or period, and show amounts or keep them private with percentages only.

CREDITS
Basic Quick Analysis uses 1 Credit; Detailed uses 2 Credits. Direct uploads to Control Center use 1 Credit per statement. Adding statements from a completed Detailed analysis to Control Center costs no extra Credits. Spending Insights update automatically at no additional cost. Credits are available through in-app purchases.

YOUR DATA
Raw PDFs are not stored after analysis; extracted results are saved to your account. No bank credentials are required.

SpendCheck is an informational spending tool. Results depend on the statements provided. Savings are estimates, not guarantees. Currency conversions are indicative, not bank settlement rates.