Plainspend

Automate Your Expense Tracking with Privacy and Control

Plainspend offers the clarity of a budgeting app without the privacy trade-offs or expensive annual subscriptions. It is a powerful Google Sheets template that uses AI to automatically categorize your transactions, giving you full control over your financial data. Instead of handing over your bank login credentials to a third-party application, Plainspend allows you to maintain complete privacy.

You simply download your statements from your bank or card and upload them directly into your Google Sheet. Key Features and Benefits:

• No Bank Login Required: Your statements stay in your own private Google Sheet.
• Customizable Categories: Use your own words for categories, like "Costco → Grocery" or "REI → Clothing".
• Multi-Card Stitching: Every card, one real month—stitch multiple statements together and align them to a true calendar month rather than billing cycles.
• Any Format Support: Supports CSV, XLSX, and PDF formats from any bank or card in a single run.
• Pay Once, No Subscription: You only pay for the AI API costs per run (typically $0.05–$0.30), eliminating recurring monthly fees.
• No Installation Required: The script is already built into the sheet; just copy it and add your own API key.

How It Works:

1. Download Statements: Get your bank or credit card statements in CSV, XLSX, or PDF format from your financial institution.
2. Upload to Sheet: Drop them into Plainspend's Google Sheets template.
3. Run the Script: Add your own API key and click "Run".
4. Get Your Summary: About 30 seconds later, you will have a clean monthly summary by category.