AI Budgeting & Statement Imports

Spendly brings AI into the parts of budgeting where a draft helps: organizing statement imports and finding a starting point for category amounts. Your review turns the draft into your own plan.

Bring a statement into your accounts

Upload a CSV, OFX, or QIF statement and choose the account it belongs to. Spendly reads the transactions and uses AI to help identify CSV columns and suggest categories from the categories you use.

The review screen gives you each row before it reaches your ledger. Edit dates, descriptions, amounts, and categories. Remove rows you do not want to keep. Duplicate flags and categories needing review help focus your attention.

When the remaining rows look right, import them together. That approval step keeps the records connected to your decisions.

Draft a budget from your history

AI budget suggestions use your recorded transactions to propose category budgets. Review the suggested amounts and their explanations, make adjustments, and apply the plan you want.

This gives a new budget a starting point grounded in actual activity. It is useful when you have transaction history but have not yet decided how to divide the next month’s spending.

Use your budget coach

The budget coach reviews spending patterns and highlights concrete adjustments supported by the data. Its suggestions give you a reason to revisit a category and a possible amount to consider.

Choose the changes that fit your priorities. Your budget remains something you can inspect and adjust.

Explore before you commit

The what-if sandbox lets you try different budget amounts and see their effect on cash flow and the year ahead. Explore a change, review the result, and apply it when the plan makes sense to you.

Together, imports, suggestions, coaching, and scenarios turn financial history into a useful next step. See how Spendly works to put them into a simple routine.