Drop your PDF.
We do the rest.
Tired of manually analyzing every Venmo/Zelle payment and credit card swipe? Our AI-powered engine instantly reads messy US bank statements (Chase, Bank of America, Wells Fargo) and automatically categorizes your expenses to save you hours of spreadsheet formatting.
- Precision extraction for all bank & credit card statements
- Smart AI auto-categorization of irregular UPI data
- Instantly gain clarity on exactly where your money is going
ICICI_Statement_March.pdf
Uploading and analyzing 142 transactions...
Everything you need
Robust tools designed to give you complete financial clarity.
Advanced Analytics
Interactive charts and visual insights to effortlessly track your income vs. expenses across all accounts. Understand your spending at a glance.
Investment Tracking
Dedicated portfolio monitoring to track your assets, returns, and growth over time with detailed reports.
SIP & PPF Calculators
Built-in financial calculators to project your SIP returns and PPF maturity with precision.
Smart Transactions
Complete transaction history with categorization, search, and multi-account filtering.
AI Auto-Categorization
Our smart AI engine automatically assigns the correct category to irregular UPI transactions.
PDF Statement Import
Upload your PDF or CSV statements from any major US bank. Our system instantly parses the data and syncs your dashboard.
Auto-Analyze Statements
Our AI analyzes your bank statements to give you detailed data and absolute clarity on your spending and financials.
Your Bank Statement Parser
Right inside Telegram
Import transactions on the go. No need to log into the web app—just forward your statement PDFs directly to your personal Telegram Bot.
In-Memory Secure Decryption
Unlocks AES-256 Revision 5 & 6 password-protected statements securely in-memory using Web Crypto.
Smart Duplication Prevention
Checks transaction dates, payee names, and amounts to filter out duplicates automatically.
One-Click Quick Connection
Pair your account securely in seconds with auto-expiring single-use tokens.
đź”’ This PDF statement is password-protected. Please reply directly to this message with the password to unlock it.
09:21 AMâś… Statement Imported Successfully!
Three steps to clarity
Get started in under a minute. No complex setup required.
Create Account
Sign up in seconds with email or Google. Your data is encrypted and never shared.
Upload Statements
Import your bank statements as PDF or CSV. We support HDFC, SBI, ICICI, and more.
Get Insights
See beautiful dashboards with spending patterns, category breakdowns, and trends.
Empower Your Financial Future with Personal Finance Manager
Taking control of your hard-earned money shouldn't feel like a full-time job. In today's fast-paced digital economy, managing expenses across multiple bank accounts, credit cards, and investment portfolios can quickly become overwhelming. That is why we built Personal Finance Manager—a comprehensive, privacy-first personal finance platform designed to simplify tracking, optimize savings, and guide you toward long-term wealth. Our platform serves as your central repository for financial intelligence, enabling you to construct logical spending habits without giving up control over your privacy or credentials.
Secure AI Bank Statement Import & Automated Parsing
The biggest hurdle to consistent budgeting is the tedious chore of manual data entry. Entering every coffee, utility bill, and shopping transaction by hand is prone to errors and easily abandoned. Personal Finance Manager solves this by introducing a robust, automated bank statement parser. Simply drag and drop your PDF or CSV bank statements directly into your dashboard. Our system employs a hybrid parsing engine: it first attempts to extract transaction lines using local, highly-optimized coordinate templates tailored to major banks (such as SBI, ICICI, HDFC, and others). If the document structure is non-standard, the system seamlessly falls back to a secure AI entity extraction pipeline powered by Gemini 3.1 Flash Lite. Within seconds, your raw statements are transformed into clean, structured transaction arrays, ready for analysis.
Privacy-First Architecture with Sanitization
We believe your financial privacy is non-negotiable. Unlike other platforms that request full access to your bank logins, Personal Finance Manager never asks for your credentials. Furthermore, we implement a strict zero-retention raw file policy: uploaded PDF and CSV statements are parsed in-memory and deleted immediately. To protect your identity, our server runs an on-the-fly PII (Personally Identifiable Information) scrubber before any text is sent to AI models. It automatically redacts names, account numbers, customer IDs, emails, phone numbers, and addresses. Your data remains entirely yours, anonymized and secure at every step.
Smart Hybrid Transaction Categorization
Once your transactions are imported, making sense of them requires accurate categorization. Our tool uses a hybrid classification pipeline. Common merchants like Swiggy, Zomato, Amazon, and Uber are instantly categorized locally using a fast keyword matching dictionary. For unique, local, or unmapped payees, the system batches the remaining items and calls Gemini 3.1 Flash Lite to classify them into standard categories like Food & Dining, Shopping, Utilities, Transport, and Income. This batched approach is fast, intelligent, and highly accurate.
Complete Suite of Public Financial Calculators
Planning for the future is just as important as tracking the past. Our suite of public financial calculators is designed to help you model your wealth goals. Whether you are analyzing long-term mutual fund growth using our SIP Calculator, estimating secure tax-free interest with our PPF Calculator, calculating compound interest returns, estimating monthly home loan payments using our Mortgage Calculator, or projecting your golden years' savings with our 401(k) and Retirement Calculator, you have all the tools you need in one place. These calculators are 100% free and require no login.
Deep Integration with Telegram Bot
For tracking on the go, our custom Telegram Bot acts as your personal financial assistant. After a simple, secure 10-minute deep-linking token setup, you can link your Telegram profile. Once connected, you can chat with the bot to fetch instant last-30-days spending reports, query categories, and even upload bank statements directly inside the chat! The bot handles password-locked files securely and forwards transactions straight to your dashboard. This combination of conversational AI and real-time ledger updates makes Personal Finance Manager the ultimate helper for tracking expenses and building healthy financial habits.
Frequently Asked Questions
Find answers to common questions about our platform, security, and integration.
How does the AI Bank Statement Import work?
Our platform uses a secure bank statement parsing pipeline. When you upload a statement, the system reads the PDF or CSV structure. For recognized banks, a fast template-based reader extracts the date, payee, and amount details. If a template match is not found, the system utilizes a secure AI fallback powered by Gemini 3.1 Flash Lite to parse the transactions. Your original documents are never stored and are discarded immediately after processing.
Is my sensitive financial data safe?
Absolutely. Security is our primary design principle. Before any transaction data is processed or analyzed, our server runs an on-the-fly PII (Personally Identifiable Information) sanitizer. This filter automatically removes and redacts sensitive data such as account numbers, CIF codes, names, email addresses, phone numbers, and physical addresses. Only the anonymized transaction records are used to compile your charts and reports.
How do I sync my bank statements directly from my email?
You can connect your Gmail account securely via Google OAuth from the Settings panel. Once linked, the platform will scan your inbox on-demand for PDF statements received within the last 60 days. It filters out stock brokerages and mutual funds, focusing strictly on bank and credit card accounts. Encrypted statements are unlocked in-memory using keys you specify (which can be securely saved using AES-256-CBC encryption).
How does the platform handle different bank accounts and credit cards?
The platform dynamically inspects statement metadata and filenames. It automatically identifies the specific bank (e.g. ICICI, HDFC, SBI, Axis) and separates standard savings accounts from credit cards (e.g., creating distinct ledger accounts like 'ICICI Bank' and 'ICICI Credit Card'). If these accounts don't exist in your dashboard yet, the system automatically creates them for you.
How do I link my Telegram account to the Finance Manager bot?
You can easily connect your Telegram bot from your Web Dashboard. Navigate to your Settings page, find the Telegram Connection Card, and click 'Connect'. The system will generate a secure, short-lived linking token valid for 10 minutes and open the bot. Simply tap `/start` in the Telegram bot chat to complete the link.
Can I use the financial calculators without registering?
Yes! All our financial calculators—including the SIP Calculator, PPF Calculator, Mortgage Calculator, Compound Interest Calculator, and Retirement Calculator—are completely public and free. You can use them directly on our website to model and plan your future savings without needing to create an account.
How does the AI transaction categorization function?
When statements are imported, they run through a hybrid categorization system. First, common merchants (like Swiggy, Zomato, Uber, or Amazon) are matched locally against a fast keyword dictionary. For any remaining unmapped descriptions, the system groups them and calls Gemini 3.1 Flash Lite in a single batch to automatically classify the transactions into standard categories like Food, Utilities, Shopping, or Travel.