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About PaperSpend
We turn statement PDFsinto numbers you can trust.
PaperSpend reads the bank and credit-card statements you already have and turns them into one reconciled, categorized view of your monthly spending — no bank login, any institution.
No bank login. Any institution.
- Bank passwords asked for
- 0
- We read PDFs. We never need your login.
- Reconciliation tolerance
- 0.00
- Every statement has to balance to the cent.
- Bank or card issuer
- Any
- If it issues a PDF statement, we can read it.
- Figure to PDF line
- 1:1
- Every number links back to the line it came from.
Why we built PaperSpend
Your spending is all there. It's just scattered across PDFs.
Checking, savings and every credit card each tell part of the story, in a different format, behind a different login. Putting it together by hand takes hours, and the result is easy to get wrong.
We built PaperSpend so anyone can see where their money went, from the statements they already download, without handing a third party the keys to their bank.
The old way
- Logging into every bank portal
- Copying rows into a spreadsheet by hand
- Card payments counted twice
- Totals you can't trace back
With PaperSpend
- Drop in the PDFs you already have
- Transactions extracted and categorized
- Transfers detected and kept out of spending
- Every figure links to its line on the PDF
What PaperSpend does
From PDF to organized spending, in three steps.
Upload a statement and PaperSpend extracts every transaction, checks the totals against the statement's own balances, and files each expense into a category.
- 01
Upload your statements
Bank and credit-card PDFs, from any institution.
- 02
We extract and reconcile
Every line is read and checked against the statement's balances.
- 03
See where it went
Your spending, categorized by month and ready to explore or export.
What we believe
A few rules we don't bend.
Getting money wrong is worse than not showing it at all. These rules are built into how PaperSpend works.
Exact, not approximate
A statement that doesn't balance to the cent is flagged for review, never quietly imported.
Every number has a source
Each transaction keeps the raw text it came from, so any total traces back to the original PDF.
Transfers aren't spending
A card payment shows up on two statements. We count it once, as a transfer, not as an expense.
Private by default
No bank connections, no credentials, and your data is never sold.
Who it's for
Built for anyone who wants a clear picture.
Individuals
See where your money goes each month and build better habits.
Households
Combine every account and card into one monthly view.
Freelancers
Keep business and personal spending clearly separated.
Bookkeepers
Turn a client's PDFs into CSV, Excel, QuickBooks or Xero files.
Private by design
Your data stays yours.
PaperSpend works only with the statement PDFs you choose to upload. Your information is processed securely, never sold, and you can delete your account and its data at any time.
What we'll never do
Ask for bank credentials
We never ask for your bank login details.
Connect to your bank
There is no live link to any of your accounts.
Sell your data
Your statements are used only to build your view.
Give financial advice
We show you the data. The decisions stay yours.