SpendKeep
Track expenses without bank sync.
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Description
Track expenses without bank sync. AI categorization via email forwarding & CSV import. No Plaid, no data sharing. Free privacy-first finance app.
About SpendKeep
What is SpendKeep?
SpendKeep is a personal finance and expense tracking application designed without bank credential synchronization.
What SpendKeep does
SpendKeep tracks personal expenses and cash flow using forwarded email receipts, SMS alerts, CSV files, PDFs, and screenshots. It classifies spending into Needs, Wants, and Savings using the 50/30/20 budgeting rule, processes CSV statements in the browser, and provides financial calculators.
Who SpendKeep is for
For individuals seeking personal budgeting and expense tracking without connecting their bank logins or sharing financial credentials.
How SpendKeep works
Users forward bank alerts by email or upload statements in CSV, PDF, or screenshot formats. The browser-based mapper parses CSV files locally, an automated classification system tags merchants and amounts into budgeting categories, and users review cash flow on the dashboard.
Key features
- Bank credential-free expense tracking via forwarded email alerts, SMS notifications, and manual uploads.
- Local client-side CSV column mapper that parses statements in the browser before storage.
- Budget categorization structuring expenses into Needs, Wants, and Savings based on the 50/30/20 rule.
- Support for recurring bill tracking and subscription price monitoring.
- PostgreSQL database storage with Supabase Row Level Security and one-click data export or database purge.
- Suite of 18+ browser-based financial calculators covering EMI, SIP, and retirement projections.
Pricing
As listed on spendkeep.com, checked 14 October 2026. Prices can change; see the site for current terms.
- Free: ₹0 forever for up to 20 email receipts scanned, 3 recurring rules, 10 AI logs per month, and standard dashboards.
- Pro: ₹153 per month billed annually as ₹1,836 for unlimited parsed transactions, unlimited recurring rules, insights, and PDF exports.
Facts from spendkeep.com, checked 14 October 2026
- Free plan costs ₹0 forever and Pro costs ₹153 per month billed annually as ₹1,836.
- Does not require bank logins or automatic bank sync.
- Parses CSV files locally in the web browser using a client-side column mapper.
- Includes a suite of 18+ browser financial calculators.
Written from SpendKeep's own website (Homepage, Pricing). The maker can claim this listing to edit it.
Categories
Frequently asked questions
Does SpendKeep require bank logins?
No. SpendKeep does not connect to bank APIs or require bank login credentials, relying on forwarded alerts, CSV files, and screenshots.
How does SpendKeep process CSV statements?
The CSV column mapper runs locally in the browser so raw spreadsheets are processed client-side before mapping to the database.
What budgeting framework does SpendKeep use?
SpendKeep categorizes spending according to the 50/30/20 rule into Needs, Wants, and Savings.
Can users export or delete their data?
Users can export transaction records to CSV or perform an on-demand purge of their cloud database records.