SpendKeep AI
spendkeep.com
Track spending with AI using forwarded alerts. No bank sync, complete data privacy. Get insights into your Wants vs Needs.
$1a
Installation
Not sure where to start — ask an assistant to walk you through:
Features
🔒 Privacy-First Zero-Sync Architecture
SpendKeep's core innovation is its strict 'zero-sync' design that eliminates the need for bank credentials, using forwarded alerts and local file imports instead. This architecture, backed by PostgreSQL Row-Level Securit
🤖 AI-Powered Categorization & Insights
The platform uses the Llama-3 AI model via Groq to automatically extract amounts and contextually categorize transactions from alerts or uploaded documents. This transforms raw data into actionable insights, automaticall
📊 Wants vs Needs & Behavioral Framework
This feature enforces the 50/30/20 budgeting rule by automatically splitting expenses into 'Needs' and 'Wants', providing a clear diagnostic of spending health. It adds behavioral nudges to combat financial amnesia, help
Use cases
Forward SMS receipt for auto-categorization.
Upload bank CSV to map transactions locally.
Check dashboard for Wants vs Needs split.
Set rules for automating subscription tracking.
Use AI to generate yearly cash flow insight.
Calculate retirement using private browser tool.
Purge all data instantly with one click.
Track SaaS expenses without sharing logins.
FAQ
SpendKeep AI is a privacy-first personal finance tracker that uses local AI to categorize expenses from forwarded alerts or uploaded statements, operating on a zero-bank-sync architecture to protect user data.
SpendKeep uses a zero-sync design (no Plaid), stores data in secure PostgreSQL with Row-Level Security (RLS), and processes files locally in your browser. Your data is never sold or brokered.
You can forward transaction alerts (SMS/email) to your private endpoint, manually enter them, or upload PDF, CSV, or screenshot files of your bank statements for the AI to parse.
This feature automatically categorizes your spending into essential 'Needs' and discretionary 'Wants' based on the 50/30/20 budgeting rule, providing a clear view of your financial health.
Yes, the platform offers a '1-Click Absolute Purge' feature that exports your data to CSV and completely deletes it from the cloud with zero backup retention.
No, SpendKeep is 100% subscriber-supported and has a strict policy against data brokering, aggregation, or advertising based on your financial information.
SpendKeep uses the Meta Llama-3 large language model, powered by Groq, for fast and contextual categorization of your transactions and generation of insights.
Yes, SpendKeep offers a cross-platform mobile application built with React Native Expo, providing a native experience for tracking expenses on the go.
Yes, SpendKeep provides a suite of 18+ free financial calculators (e.g., EMI, SIP, Retirement) that run entirely in your browser without data sharing.
The roadmap includes native bank account sync (with privacy safeguards), a built-in email client, family/sharing modes, and custom LLM prompts for deeper analysis.
Specs
| Type | Tool |
| Section | Finance |
| Pricing | has a free tier |
| Platform | Web only |
| Systems | web |
| Hosting | cloud |
| Install | saas |
| Site language | en |
| Vendor | rajanikethreddy |
| Launched | 2026-05-22 |