SpendKeep AI
Finance & FinTechA privacy-first expense tracker for people who want control without bank sync.
A privacy-first expense tracker for people who want control without bank sync.
SpendKeep is a privacy-first, zero-sync budget tracker designed to cure financial amnesia and give you total control over your cash flow. By rejecting vulnerable bank aggregators and intrusive SMS parsing, it relies on intentional tracking to build financial discipline. Core Architecture & Privacy • Zero-Sync: Never asks for bank logins. Decoupled from vulnerable third-party aggregators. • No SMS Scraping: Operates without reading private texts or emails, protecting against data overreach. • Institutional Security: Secured in PostgreSQL with strict Row-Level Security. Data Ingestion & Tracking • "90-Second Loop": Frictionless onboarding. Drop exported bank CSVs, PDFs and JPGs to parse and map data in under 90 seconds. • Rapid Manual Entry: Log transactions actively to engage with habits and avoid automated micro-transaction clutter. • Sovereignty Streak: Gamified system to categorize transactions and maintain a discipline-building streak. Analytics & Insights • Subscription Bleed: Identify consumer subscriptions and SaaS sprawl to spot "ghost spend." • Capital Waste: Tracks compounding costs of daily habits, showing lost investment opportunity. • Wants vs. Needs: Built-in categorization aligned with the 50/30/20 framework. User Experience & Tools • Dual-Theme: Dark Mode (Obsidian) for a terminal aesthetic, Light Mode (Mint) for an approachable feel. • Client-Side Calculators: Privacy-preserving, in-browser tools process your data entirely locally.
