xspend.io

You upload a statement from any bank, or connect your accounts for live updates. We categorize every transaction across all your cards and show you where the money went in about a minute, then let you ask questions instead of reading charts. Our parser handles banks we've never seen without writing code for each one, which is how one person covers the long tail. Everyone else built their onboarding around bank connection, so matching us means unwinding the thing their whole funnel sits on.

Someone earning $50–150K spreading everyday spending across three or four cards. C+R Research had 1,000 consumers itemize every recurring charge and found they averaged $219 a month against the $86 they'd estimated, a 2.5x gap. CNET's 2025 subscription survey (~2,000 US adults) puts about $204 a year on subscriptions people have stopped using. Every tool that would surface this asks for bank credentials first, so most people quit during setup or get overwhelmed by too many features and drop in less than 3 months and keep guessing.