Your Monthly Financial Review
See Where Your Money Went. Spot Every Recurring Charge. Know What to Change.
Upload last month's bank statement and get a complete picture of your spending, every recurring charge, and a financial health score — in about 60 seconds. No bank login. Your file is never stored.
No bank login required · File never stored · Private by design
For informational purposes only. MindsBudget is a budgeting support tool and does not provide financial, tax, legal, or investment advice.
Here's What You'll See
This is what appears after you drop in your statement — every charge, grouped by category, sorted by amount.
How It Works
Three steps. No account. Takes about 60 seconds.
Export Your Statement
Log in to your bank's website and download the last 2–3 months of transactions as a CSV or Excel file. Chase, Wells Fargo, Bank of America, and most credit unions support this format.
Get a Clear Picture of Your Spending
Drop your file and get a full breakdown in seconds. Every transaction is classified automatically — Fixed Bills, Debt Payments, Subscriptions, and charges worth a closer look. No manual entry.
Review Monthly — Watch Your Trend
See every recurring charge grouped by category, flagged by frequency, and sorted by amount. Identify what to cancel, what increased in price, and what to monitor. Upload again next month and your financial health score tracks whether things are actually improving.
Everything your bank app should show you
But doesn't.
Monthly Spending Breakdown
Upload your bank statement and get a complete breakdown of spending, income, and recurring charges in seconds — no manual entry.
Recurring Charge Review
Classify every recurring charge into Fixed Bills, Debt Payments, and Subscriptions — and surface unrecognized recurring costs worth reviewing.
Works With Any Bank
Chase, Wells Fargo, Bank of America, and more. CSV, Excel, or PDF — just upload and go.
Private by Design
Your data is never sold, shared, or used to train AI systems. Statements are processed privately on your account.
How the economy affects your paycheck
MindsBudget Research monitors inflation, Fed policy, and labor market signals — and translates them into plain-language guidance for your finances. No ticker watching. No jargon.
See Pro PreviewGeneral economic context only. Not investment advice. Disclaimer
Get the free weekly money brief
One email per week. Inflation snapshot, a money habit, a debt tip. No ads, no spam, unsubscribe anytime.
Free financial tools
No account required.
Monthly Expense Calculator
Enter income and expenses to see your expense-to-income ratio and 50/30/20 breakdown instantly.
Try the calculator →Income Allocation Planner
Budget paycheck by paycheck — see exactly how much you have left after bills and savings before your next payday.
Try the planner →Financial Health Assessment
Answer 5 questions and receive a score from 0–100 with a clear picture of where your finances stand right now.
Take the quiz →Debt Payoff Calculator
Enter your balance, APR, and monthly payment to see your payoff date, total interest paid, and how extra payments cut the timeline.
Calculate payoff →Two tiers, zero confusion
- 1 statement upload per month
- Spending breakdown & category totals
- Financial Health Score (0–100)
- Weekly money brief (email)
- Unlimited uploads
- Multi-month trend analysis
- Macro Research dashboard
- Pre-event economic watchlist
- Weekly Pro Research brief
- Priority support
Free financial guides
Monthly reviews, recurring charge analysis, and financial awareness — plain English.
Monthly Spending Review Guide
A complete 15-minute monthly review process — what to review, how to spot patterns, and what to do with what you find.
Read the guide →Find All Your Recurring Subscriptions
Where subscriptions hide — PayPal, Apple, Amazon — and how to surface every recurring charge across all payment accounts.
Read the guide →Subscription Audit
Step-by-step guide to auditing every recurring charge and canceling the ones draining money without your full attention.
Read the guide →Your Data, Processed Securely
No bank login. No connections to your bank. You control what you share.
Files Are Never Stored
Your statement file is processed immediately and then discarded. Only the transaction records you choose to save to your account are kept.
No Bank Credentials Required
You download the file from your bank's website. MindsBudget never connects to your bank or asks for your login details.
Encrypted in Transit
All data travels over a secure, encrypted connection. Your financial information is never sold, shared, or used for advertising.
Know exactly where your money goes every month.
Free. 60 seconds. No bank login. No account required.