Your year, every charge
Spending Wrapped
Upload your bank statements and get an instant Spotify-Wrapped-style breakdown — total spent, top merchant, biggest month, coffee total, the weird charges. Share card included.
How it works
Upload up to 12 statements, get your Wrapped in 30 seconds
Upload your statements
Drop up to 12 PDF / JPG / PNG files. Works with any bank, any country, any currency. No signup.
AI reads every line
Transactions get extracted and categorized across 19 spending buckets. Runs in about 30 seconds for a full year.
Scroll the slides, share the card
See your total, top merchant, top category, biggest month, coffee total, travel total, biggest single charge. Download the share card and post.
What you'll see
Eight slides, one clean screenshot each
Every slide is designed to be screenshot-worthy — ready to post to X, Instagram, or drop in a group chat.
Total spent
The number most people underestimate by 20-40%. The Wrapped shows it upfront so you can't look away.
Top merchant
Usually Amazon, Uber, Starbucks, or DoorDash. With count and total — the quarterly number is often jarring.
Biggest category
One of 19 spending categories — Housing, Rent, Groceries, Dining Out, Transport, Subscriptions, and so on. Shown with percentage of total spend.
Biggest month
Which month you blew out the budget. Travel / holidays / moves tend to spike obvious months, but surprises show up too.
Small charges that added up
Coffee, rideshare, food delivery, subscriptions, dining out, travel — split out so you can see exactly which small habits landed big.
Biggest single charge
Your one-time record for the period. Rent, flights, car repairs, medical bills, cruise tickets — whatever dominated a single day.
Merchant leaderboard
Your top 6 merchants in a horizontal bar chart. The gap between #1 and #6 is the real story.
The weird one
The odd-one-out charge — a high-amount transaction that doesn't fit your usual patterns. Often a forgotten subscription, a one-time purchase, or genuinely something you don't remember.
Six ways people use it
Reality check first, share card second
End-of-year reality check
Run Wrapped in December to see the whole year at once, without setting up a budgeting app or exporting to Excel.
Quarterly screenshots
Post your top merchants every quarter as a gentle public accountability thing — or just to make your friends laugh.
Tax prep jumpstart
Before meeting with your accountant, see where the money went by category. Makes the 'what's deductible?' conversation 10x faster.
Pre-mortgage or refi check
Lenders ask for 2-3 months of statements. Run Wrapped first so you know what pattern they'll see.
Couples money talk
Bring real numbers to the conversation. Nothing tees up 'we need to cut back on X' better than a shareable bar chart.
Just for the post
Sometimes you just want the 'I spent $X on Uber Eats this year 💀' post. No shame — it's fun. Share cards make it one click.
More than just categories
Real financial clarity from your bank statement.
Subscription tracker
Find the charges you forgot about
AI scans every transaction and flags recurring payments. Most people discover at least one subscription they'd forgotten.
- Detects monthly, annual, and weekly charges
- Shows your true monthly subscription cost
- Spots free trial conversions before they auto-renew
Subscription tracker
Find the charges you forgot about
AI scans every transaction and flags recurring payments. Most people discover at least one subscription they'd forgotten.
- Detects monthly, annual, and weekly charges
- Shows your true monthly subscription cost
- Spots free trial conversions before they auto-renew
AI Insights
Your finances, explained by AI
Get a personalized breakdown of spending habits and anomalies. AI reads every transaction and tells you what actually matters.
- Highlights unusual spending spikes
- Tracks month-over-month trends
- Summarizes financial health in plain English
AI Insights
Your finances, explained by AI
Get a personalized breakdown of spending habits and anomalies. AI reads every transaction and tells you what actually matters.
- Highlights unusual spending spikes
- Tracks month-over-month trends
- Summarizes financial health in plain English
Smart recommendations
Not generic tips — your tips
Every recommendation is based on your actual transactions. Specific dollar amounts, not vague advice.
- Based on your real spending patterns
- Specific dollar amounts you can save
- Actionable in under 5 minutes
Potential monthly savings
$227/mo
Potential monthly savings
$227/mo
Smart recommendations
Not generic tips — your tips
Every recommendation is based on your actual transactions. Specific dollar amounts, not vague advice.
- Based on your real spending patterns
- Specific dollar amounts you can save
- Actionable in under 5 minutes
Analyze your own statement
Upload a PDF, get your full report in 30 seconds.
Pricing
See where your money goes
Upload a statement and get answers in seconds. No card required.
- 1 analysis per month
- Up to 50 transactions
- Auto-categorized spending
- Visual spending charts
- Export to CSV & Excel
- 500 pages per month
- Up to 100 transactions
- Everything in Free
- Find forgotten subscriptions
- AI spending insights
- 12-month history
- Everything in Basic
- Unlimited pages
- Unlimited transactions
- Smart receipt scanning (5/mo)
- Priority support
FAQ
Spending Wrapped —
questions & answers
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