Do I need to connect my bank account?

No. You never connect your bank account or share your login credentials. You simply download a PDF statement from your bank's website and upload it here. Your banking login is never involved.

Which banks are supported?

We support PDF statements from major banks in North America. This includes TD, RBC, Scotiabank, CIBC, BMO, Chase, Wells Fargo, Bank of America, Citi, Capital One, and most credit unions. If your bank produces a readable PDF statement, it will work.

Is my data private and secure?

Yes. Your uploaded statement is stored encrypted in Google Cloud and is only accessible to your account — it is never visible to other users or third parties. Your data is never sold or shared.

How much does it cost?

Uploading your first statement is completely free. You can explore your net worth, spending breakdown, and savings rate at no cost. Pro is $9.99/month and unlocks unlimited uploads, full history, AI insights, forecasting, goals, and the debt payoff planner. Cancel any time.

How long does the analysis take?

Under 60 seconds. Our AI reads and categorises every transaction in your statement, computes your net worth and savings rate, and generates personalised insights — all within about a minute of uploading.

Can I upload statements for multiple accounts?

Yes. You can upload statements from multiple accounts (chequing, savings, credit card, mortgage) and we consolidate them into a single financial picture including combined net worth and cross-account spending patterns.

Finally know where your
money actually goes.

Upload a PDF bank statement and get your net worth, spending breakdown, savings rate, and AI-powered insights — in under a minute. Your data stays yours.

Upload a statement — it's free

PDF · Any major bank · Under 60 seconds

Today · networth.online

Net Worth

$1,059,066

Updated today · 13 accounts

Savings +54%Income $6,442

High Priority

Consolidate high-interest debt. $142 across 3 payments. Consolidating could save $300/mo.

Reviewing

$111 in fees last month. $1 × REGIONI.EZ MSP — may be avoidable.

Upcoming · By Impact

VMLT · Salary+$5,408 · Apr 17

House Cleaning−$176 · In 5d

No bank login or credentials
Statement stored encrypted, private to your account
Data never sold or shared

10,000+: statements analyzed
15+: banks & credit unions
< 60 s: average analysis time
Free: to upload your first statement

Your statement already has the answers

Most people are surprised by what one month of transactions reveals. Here's the kind of thing we find.

High Priorityexample

$340/mo in subscriptions you may have forgotten

We found 11 recurring charges across 3 accounts. 4 haven't been used in over 60 days based on your patterns.

Worth Reviewingexample

April has 3 paydays — $3,600 more than usual

Bi-weekly salary sometimes produces an extra payday. We flag these in advance so you can plan around the windfall.

Opportunityexample

You're saving 36% of income without realising it

After all expenses and debt payments your net savings rate is well above the average of under 5%.

What people discovered

Real reactions from people who uploaded their first statement.

“I knew I was spending too much on food but seeing $847/month in one place made it real. Changed my habits in a week.”

Priya S.

Marketing manager, Toronto

“Finally a finance app that doesn't want my banking password. I've been burned before. Uploading a PDF is the right way to do this.”

Marcus T.

Software engineer, Seattle

“Found 3 streaming services I completely forgot about. Cancelled two within the hour. Already paid for itself.”

Jessica L.

Freelance designer, Vancouver

Three steps. Under a minute.

No account linking. No waiting. Just a PDF from your bank and your complete financial picture.

Download a PDF from your bank
Log into your bank's website, go to statements, and export last month as a PDF. Works with TD, RBC, CIBC, BMO, Chase, Wells Fargo, Bank of America, Citi, and most other major banks.
Drop it here — we do the rest
We parse every transaction, categorise your spending automatically, and detect recurring patterns. No manual tagging. No setup.
Get your financial picture in seconds
Net worth, savings rate, spending breakdown, upcoming bills, and AI insights — all from one statement. Upload more months to unlock trends.

Bank-level privacy by design

Uploading a statement is safer than you think

We built this app specifically so you'd never have to hand over your banking credentials. Here's exactly how your data is handled.

Encrypted in transit & at rest

All data is transmitted over HTTPS and stored encrypted on Google Cloud (Firebase). Same infrastructure used by Fortune 500 companies.

Your file is private to you

Your uploaded statement is stored encrypted in Google Cloud and is only accessible to your account. It is never shared with other users or third parties.

No bank login. Ever.

Your banking username and password never touch our systems. You download a PDF from your bank directly and upload it here. We have zero access to your bank account.

Your data is never sold

We don't sell, share, or monetise your financial data. Our business model is a simple subscription — your data is the product we protect, not the product we sell.

Hosted on Google CloudFirebase / FirestoreSSL / TLS EncryptedNo bank credentialsNo ads. No data selling

Compare this to bank aggregators: Apps like Mint or Credit Karma require your banking username and password. We don't — and we never will. A PDF is all we need.

Simple, honest pricing

Start free. Upgrade when you want trend analysis and AI-powered planning.

Free

forever

Upload your first statement and instantly see your net worth, spending breakdown, and subscription detection.

Upload statements — Up to 5 / month
Statement history — Last 6 months
Net worth & spending summary
Subscription detection
AI-powered insights
Spending forecast
Goals tracker
Debt payoff planner
What-if scenario planner
Market & inflation signals
Data export (CSV)

Upload your first statement →

Frequently asked questions

Do I need to connect my bank account?: No. You never connect your bank account or share your login credentials. You simply download a PDF statement from your bank's website and upload it here. Your banking login is never involved.
Which banks are supported?: We support PDF statements from major banks in North America. This includes TD, RBC, Scotiabank, CIBC, BMO, Chase, Wells Fargo, Bank of America, Citi, Capital One, and most credit unions. If your bank produces a readable PDF statement, it will work.
Is my data private and secure?: Yes. Your uploaded statement is stored encrypted in Google Cloud and is only accessible to your account — it is never visible to other users or third parties. Your data is never sold or shared.
How much does it cost?: Uploading your first statement is completely free. You can explore your net worth, spending breakdown, and savings rate at no cost. Pro is $9.99/month and unlocks unlimited uploads, full history, AI insights, forecasting, goals, and the debt payoff planner. Cancel any time.
How long does the analysis take?: Under 60 seconds. Our AI reads and categorises every transaction in your statement, computes your net worth and savings rate, and generates personalised insights — all within about a minute of uploading.
Can I upload statements for multiple accounts?: Yes. You can upload statements from multiple accounts (chequing, savings, credit card, mortgage) and we consolidate them into a single financial picture including combined net worth and cross-account spending patterns.

Ready to see what your statement reveals?

Free to start. No bank login. No credit card.
Just upload a PDF and see your finances clearly.