Where did the money go? Now you’ll know.

1 · Import

Drop in the statement you already have.

Spreadsheets, CSVs and PDFs all work, and if the PDF is only a scan, iSpend reads the words off it for you. It tells you which bank it recognized, lists everything it found, and flags anything you already have, so nothing is ever counted twice.

• One statement or a year’s worth at once
• Different bank? Point at the date, description and amount once

2 · Sort

It sorts itself, and learns from you.

Your own rules go first, then what iSpend remembers about the places you shop, then the thousands of merchant names it already knows. Whatever is left arrives grouped by merchant, so one answer sorts every charge from that place at once. Every answer is remembered.

• Most of the month is sorted before you scroll
• By the sixth statement there is almost nothing left to ask

3 · See

See the month in one honest picture.

Spent, earned, and what was left. This month against last, by category, with the exact difference. Your top merchants, ranked, because it is rarely the big purchases. It is the place you stop at four times a week without thinking.

• Budgets that warn you mid-month, while there is still time
• Split one Costco receipt across groceries and the kids

4 · Find

Find the subscriptions you forgot about.

The trial you meant to cancel. The app you last opened in March. Small, automatic, and still going out every month while nobody is looking. iSpend lists every recurring charge, what it costs over a year, and when it last renewed.