SpendKeep AI — Privacy-First Personal Finance & Expense Tracker

SpendKeep is a privacy-first expense tracker for people who want to understand their spending without giving a bank app their login. It is designed around manual but streamlined inputs: you can forward bank email or SMS alerts, upload a CSV, or drop in a screenshot, and the system extracts the transaction details for you. The product then categorizes spending on your device and helps you review it through a dashboard focused on cash flow and simple habit checks.

The main idea is to make expense tracking easier without automatic bank syncing. SpendKeep emphasizes local processing, no bank login required, and on-demand control over your data. It breaks spending into clear views such as Needs, Wants, Savings, and Cash Flow, using the 50/30/20 rule as a framework. The homepage also shows support for recurring charges, so users can spot subscriptions and review fixed bills over time.

This makes it relevant for privacy-conscious budgeters, people who dislike spreadsheets, and anyone who wants a simpler way to see where money goes. The site also highlights a set of free, private financial calculators that run entirely in the browser for common planning tasks such as EMI, SIP, and retirement calculations.

Key features:
- Forward bank email alerts or SMS receipts to log transactions without typing them in manually.
- Upload CSV files or screenshots to import spending data.
- AI categorization runs locally and tags transactions automatically.
- Spending is organized into Needs, Wants, and Cash Flow views based on the 50/30/20 rule.
- Recurring charges can be tracked to help identify subscriptions and price increases.
- Users can export transaction records or purge their data on demand.
- The product offers 18+ free private financial calculators that run in the browser.