Upload your bank statements and let AI instantly categorize every transaction, spot patterns, and show you a clear picture of your finances.
Between UPI, credit cards, and bank transfers — your spending data is scattered and impossible to make sense of.
UPI, Paytm, NEFT, IMPS, credit cards — your money moves through ten different channels and you have no unified view.
Your PDF statement says "IMPS/426387264/UPI" — great. Was that food, fuel, or your EMI? You have no idea.
You know you're spending too much but can't pinpoint where. Subscriptions silently drain your account month after month.
Maintaining a manual expense tracker takes 30 minutes a week — and you still miss half the transactions.
From raw PDF to clear financial insights in under 60 seconds.
Works with PDFs from HDFC, ICICI, SBI, Axis, Kotak, Yes Bank, and 10+ more. No manual entry, no spreadsheet import.
Claude AI analyzes merchant names, amounts, and patterns to categorize transactions with 94% accuracy — including messy UPI references.
Month-over-month breakdowns, savings rate tracking, category trends, and net position across all accounts in one dashboard.
Every feature designed around real India-specific banking patterns and pain points.
HDFC, ICICI, SBI, Axis, Kotak, Yes Bank, and more. We handle the format differences automatically.
Decodes UPI references into real merchant names. Distinguishes food orders from peer transfers automatically.
Claude AI reads transaction descriptions the way a human would — and gets it right 94% of the time.
Set merchant-level rules that take priority. "All Swiggy transactions → Food & Dining" — always.
Low-confidence transactions surface in a review queue. Approve, edit, or correct with one click.
Your real financial picture: total income minus expenses minus savings. Track SIPs, FDs, and EMIs.
See how your spending evolves. Spot the month you overspent on dining out or started that gym subscription.
PDFs are never stored. Only extracted text is processed. Your raw statements stay on your device.
Download your categorized transactions as CSV. Works with Excel, Google Sheets, and your CA.
No bank integration needed. No open banking. No API keys. Just your PDF.
Log into your bank's netbanking and download your account statement as a PDF. Takes 30 seconds.
Drag and drop your PDF. We parse it instantly — no waiting, no email, no manual data entry.
Our AI reads every transaction, matches merchant names, and assigns categories with a confidence score.
Correct any mis-categorizations, set rules for the future, and explore your spending dashboard.
Start free. Upgrade when you're ready. Cancel anytime — no questions asked.
Real feedback from real users — not cherry-picked corporate testimonials.
"I've tried every budgeting app out there. spndrai.com is the first one that actually understands Indian bank statements. The UPI categorization is magic."
"I finally realized I was spending ₹8,000/month on food delivery without knowing it. That one insight saved me more than the subscription costs."
"As a CA I use this for my clients. The CSV export feature saves hours every quarter. Worth every rupee."
"The net position feature is incredible. I can see exactly how my investments offset my liabilities. No other tool does this for Indian accounts."
"I was skeptical about uploading bank statements to a website. But the 'no raw PDF storage' promise and the privacy design convinced me. It's legit."
"Setup took 5 minutes. I uploaded 6 months of statements and had a complete picture of my finances. Wish I had found this sooner."
Honest answers. No marketing fluff.
Yes. We never store the raw PDF file. When you upload a statement, we extract the text, parse the transactions, and immediately discard the PDF. Your actual bank statement never touches our database. Only the parsed transaction data (merchant names, amounts, dates) is stored.
We currently support HDFC Bank, ICICI Bank, SBI, Axis Bank, Kotak Mahindra, Yes Bank, IndusInd Bank, IDFC FIRST, Federal Bank, and RBL Bank. We're adding more every month. If your bank isn't listed, contact us — we often add support within a week.
Our AI achieves around 94% accuracy on Indian bank statements. For edge cases, every transaction gets a confidence score. Low-confidence ones go into a review queue where you can correct them with one click. Once corrected, those corrections become rules for future uploads.
Yes. You can upload statements from multiple banks and accounts. spndrai.com automatically deduplicates transactions that appear in multiple statements (like shared UPI transactions). All accounts are merged into a single unified view.
We automatically detect own-account transfers and exclude them from your expense and income totals. So your savings rate and net position calculations aren't inflated by money you moved to another account you own.
No — and that's intentional. Direct bank integrations require you to hand over your banking credentials or connect via Account Aggregator (AA). We think the PDF approach is safer and more private. You control what you share and when.
Yes. Export all your categorized transactions as CSV at any time. The export works with Excel, Google Sheets, and accounting software.
Your data stays intact. You drop back to the Free tier limits but you can still access everything you've uploaded. You can export your full history at any time. We never delete your data when you downgrade.
Upload your first bank statement and have a complete picture of your finances in under 60 seconds. No credit card required.
Free forever plan available · No credit card needed · Cancel anytime