AI Bank Statement Reconciliation: Turn a CSV or PDF Into Clean Books
Reconciling a statement by hand is the worst kind of admin: line by line, matching what you remember against what the bank recorded, hoping you didn't double-count. SpentyAI does it for you. Import your bank or card statement as a CSV or PDF, and its AI turns it into clean, categorized books — in minutes, not an evening.
What the AI actually does
- Reads the statement — every row of the CSV or PDF: date, amount, description.
- De-duplicates against transactions SpentyAI already auto-detected from your email and SMS, so a payment that was already captured isn't counted twice.
- Categorizes each remaining line — food, travel, bills, subscriptions — so your reports are accurate without manual tagging.
Why this matters for a real ledger
Auto-detect from email + SMS catches the day-to-day. A statement import catches everything else — the months before you installed the app, the accounts whose alerts you'd turned off, the one-off transfers. Together they give you a complete, trustworthy picture instead of a partial one.
To be precise about what SpentyAI does and doesn't do: it does not log into your bank. Reconciliation works from the statement file you export and import yourself — your data, on your terms.
Then just ask
With a reconciled ledger, the AI chat can answer real questions over your real numbers: "What did I spend on travel last quarter?" "Which subscriptions am I still paying for?" Plain English in, plain English out.
Get it
Free to start, on iPhone and Android, English and Hindi.