Frequently Asked Questions

30 days, and you don't need a credit card to start. You get full access to everything—import statements, see insights, track habits. If you decide to continue after the trial, you can subscribe from your settings.

CSV files (.csv), up to 10MB each. Most banks let you export transactions in this format—look for "Download" or "Export" in your bank's transaction history.

Probably. We support files with or without headers, single amount columns (typical for credit cards), and separate debit/credit columns (typical for checking accounts). During import, you'll map columns manually—just tell us which column is the date, which is the amount, and which is the description.

Yes. Create a separate account for each—checking, savings, credit cards. Each account saves its own column mapping, so future imports from the same bank are faster. You can view all accounts together or filter to one at a time.

If a transaction doesn't match any of your rules or our built-in keyword patterns, we leave it uncategorized rather than guessing wrong. You can categorize it manually on the Transactions page, or create a rule so similar transactions are handled automatically in the future.

We detect duplicates automatically. Each transaction gets a fingerprint based on date, amount, and description. If we find a match, it's marked as a duplicate and excluded from import. You won't end up with double entries.

Yes. Go to the Transactions page to change categories, delete transactions, or fix anything that looks wrong. Changes take effect immediately and your dashboard updates automatically.

Rules match transaction descriptions using patterns. You can match by "contains" (description includes the text), "starts with" (description begins with the text), or "exact" (description matches exactly). For example, a rule like "AMAZON" with "contains" will catch "AMAZON.COM*123XYZ" and "AMAZON PRIME."

Rules apply during import. After you create a rule, it'll be used for all future imports. For existing transactions, you can apply rules retroactively to uncategorized items, but already-categorized transactions won't be re-categorized automatically.

We look for merchants that appear frequently in your transactions. When the same merchant shows up 5 or more times in a month, it's flagged as a habit. We normalize descriptions first—"STARBUCKS #12345 SF" and "STARBUCKS DOWNTOWN" both become "starbucks"—so variations of the same merchant are grouped together.

You might need more data. Habit detection works best with at least 3 months of transaction history. Also, some categories are excluded—rent, utilities, insurance, and debt payments aren't shown as habits since they're usually fixed expenses.

It shows what your recurring spending could become if you invested it instead. We use compound interest with a 7% annual return (the historical average of the S&P 500 after inflation). It's not financial advice—just a way to visualize the trade-off between spending now and having more later.

You can view different scenarios—5, 10, or 20 year time horizons, and 6%, 7%, or 8% returns. We also show what happens if you reduce a habit by 10%, 20%, or 50%, rather than just stopping entirely.

It shows how often the habit meets the threshold. "Every month" means it hit 5+ occurrences in all months. "Most months" means it hit the threshold in more than half. "Occasional" or "Rare" means it only qualified in a few months.

Yes. You can add categories during onboarding, from the Categories page, or even while importing (there's an "Add category" option in the dropdown). Custom categories work just like the default ones—you can set budgets, create rules, and see spending breakdowns.

Set a monthly budget for any category in Settings. Your dashboard will show how much you've spent versus your budget, with a visual progress bar. Categories that exceed their budget are highlighted so you can spot them easily.

Expense categories track money going out (Food, Transportation, etc.). Income categories track money coming in (Paycheck, Bonus, etc.). They're kept separate so your totals and reports make sense—spending habits only look at expense categories.

You'll need to subscribe to continue importing new statements. Your existing data stays accessible—you can still view transactions, see your dashboard, and explore past insights. You just won't be able to import new files until you subscribe.

Yes. Go to Settings → Billing to manage your subscription. You can cancel anytime, and you'll keep access until the end of your current billing period.

We use Stripe for payments, so you can pay with any major credit or debit card.

Yes. Your data is stored with encryption at rest and in transit. We use row-level security so you can only access your own data—not anyone else's. We don't sell your data or share it with advertisers.

Yes. You can export your transactions as a CSV file from the Transactions page. If you want to delete your account entirely, we'll remove all your data within 30 days.

No. We don't have access to your bank login or credentials. You download statements from your bank yourself, then upload them here. This keeps your banking credentials completely separate from our app.