Stmnt vs MyBudgetNerd

Your bank sends you a PDF. Stmnt turns it into an answer. Upload a statement from any bank in any country. Stmnt reads every line, sorts it, and shows you where your money actually went. No account to create, nothing to sign up for. WHAT STMNT READS • PDF statements from any bank, including password-protected files • Scanned statements, read by AI vision when there is no text to extract • Up to three statements at once, appended or replaced as you like • Duplicate files and duplicate transactions, caught before they skew your numbers • 35+ currencies, detected automatically and converted to the one you think in WHAT IT SHOWS YOU • A dashboard with net balance, income, expenses, and daily, weekly and monthly averages • Spending sorted into 17 categories, with over 100 merchants recognized by name • Trends over time, category donuts, cash flow, a heatmap by day of week, and month-over-month change • Unusual transactions flagged for a second look • An explanation in plain words on every single chart CATCH EVERY SUBSCRIPTION Stmnt finds recurring charges on its own, from weekly to yearly, and estimates what each one really costs you per month. The renewal you forgot about shows up on the list. REFUNDS THAT BEHAVE Refunds and reversals are matched to the charge they cancel and kept out of your spending totals, so a returned purchase does not look like money spent. REPORTS AND SHARING Save an analysis as a named report, export it to PDF, CSV or Excel, and share it with someone who needs to see it. Shared reports are encrypted, can be password-protected, and sync live for everyone with access. You choose read-only or read-and-write, and you can revoke a link at any time. Sharing is in beta. STMNT PRO • AI Financial Advisor. Ask about your spending in plain language and get answers with charts drawn from your own data. • Smart Forecast. Next month's spending by category, with a confidence score and a look back at how past forecasts turned out. • Smart Spending Tips. A financial health score and advice built from your own transactions. • Chart Builder. Describe the chart you want, then pin it to your dashboard. • Unlimited uploads. No daily cap, no limit on files per report. YOUR STATEMENTS STAY YOURS • Results are saved on your device, not on our servers • No account, no sign-up, no advertising • Your statement goes to the AI only so it can read your transactions • iCloud backup is optional and lives in your own private container BUILT FOR BOTH LANGUAGES Full English and Arabic with right-to-left layout, 35+ currencies, light and dark themes, and layouts made for iPhone and iPad. Free to try. Stmnt Pro is an auto-renewing subscription that unlocks the AI advisor, forecast, tips, chart builder and unlimited uploads. Payment is charged to your Apple Account. Subscriptions renew automatically unless canceled at least 24 hours before the end of the current period, and you can manage or cancel anytime in your device's subscription settings. Privacy Policy: https://stmnt.7mxd.me/privacy Terms of Use: https://stmnt.7mxd.me/terms

Stop Passively Tracking. Start Actively Budgeting. MyBudgetNerd changes the game. Automated apps download your data in the background, keeping you completely detached from your real financial habits. Stop linking your bank accounts just to see where your money went. By actively importing your PDF statements locally with MyBudgetNerd, you engage with your money, build lasting habits, and unlock deep analytical insights—all with on-device privacy. Who MyBudgetNerd is For: • Habit-builders who want active, mindful control over their spending. • Privacy purists who refuse to link bank accounts or share login credentials. • Data-driven users who want institutional-grade insights without building complex spreadsheets. • Monthly reviewers looking to replace clunky workflows with fast, automated intelligence. • Power users who want to export clean data to Excel and run independent financial models without tedious manual entry. What Makes MyBudgetNerd Different: Most finance apps connect directly to your bank to passively track your spending—and sell your data. MyBudgetNerd takes a strict, proactive approach. We value your privacy: no passive background tracking, no tracking cookies, and no data broker loops. Your data is isolated entirely on your personal device. By uploading your bank or credit card statements, you get a crystal-clear picture of your financial health without ever sharing your bank credentials. Core Features: • Statement Upload: Instantly convert bank or credit card statements into organized, searchable, and interactive transaction logs. • Smart Categorization: Advanced rule-based logic automatically categorizes your transactions so you can focus on behavior instead of manual data entry. • Insight Dashboard: Actively interact with your categories and visualize spending patterns, resource allocation, and trends over time. • Oracle Forecast: Run a predictive, 30-day projection to see exactly where your finances are heading based on your recent activity. • Anomaly Detection: Oracle flags unusual transactions, sudden spending spikes, or changes worth reviewing. • Oracle Consultation: Chat with Oracle directly to query trends, review custom watchlist items, or decode what your transaction history actually means. • Export Your Data: Maintain absolute portability. Download your processed transactions anytime as a clean CSV, Excel spreadsheet, or Markdown file. Elite Privacy & Architecture Your financial data stays on your device. Period. • Zero Bank Logins: MyBudgetNerd requires no bank connections or open banking pipelines. • Ephemeral Backend: Our system architecture is entirely stateless; data is processed transiently and instantly cleared. • Sanitized AI Processing: AI refinement is entirely optional and runs only at your command. Every piece of data passed to the AI model is rigorously stripped of Personally Identifiable Information (PII) and mapped to random identifiers. MyBudgetNerd was built proudly by a U.S. Marine veteran and data scientist who wanted a sharper, safer way to conquer personal finance without sacrificing digital privacy. Upload your first statement today and master where your money is heading. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://mybudgetnerd.com/privacy.html