Find out where your money goes, without spending hours on it.
An AI works out what each payment was for, even the ones your bank only calls PayPal or Klarna, helps you stop paying for what you don’t use, and puts your bills and everything you own on one page.
A free app that runs on your own computer, on your own Claude or ChatGPT subscription.
Watch it work on a household’s bank statements
Pay what you decide it’s worth, including nothing.
It stops for what only you can do, a login or a judgement call, and asks. At your computer, or on your phone.
Not like the money apps you already know.
| Your bank’s app | A budgeting app | Mind My Money | |
|---|---|---|---|
| Gets your transactions | Already has them | Through a bank connection you authorise | You sign in to your bank yourself, in a browser on your computer |
| A payment called “PayPal” | Usually just “PayPal” | Usually just “PayPal” | Worked out from your own receipts, messages and photos |
| Who sorts it | Its own guess | Its own guess, plus your rules | It does, and asks when it isn’t sure |
| Where your data goes | The bank | Their servers | Your computer, and your own AI account |
When your bank only says PayPal, Klarna, or Stripe, it works out what the payment was from the receipts, messages and screenshots around it, here on your computer.
it works inside sessions you signed into yourself, in a browser profile kept apart from your everyday one — so it can only reach what you put in there, and it still deserves the caution you’d give anyone you handed an unlocked laptop. Never approve a 2FA prompt you weren’t expecting, and read what we recommend and what we won’t take responsibility for before it goes through your first month.
What it does
- Shows you where the money went this month, every payment sorted by what it was for, down to what was in the shopping, and what changed since last month
- When a line on your statement only says PayPal and Klarna, it does what you would do to find out what you bought: it checks your receipts and your email, and on a Mac your messages, calendar and photos, from the few days around the payment, here on your computer
- Finds everything you pay for regularly and asks whether you still want it
- Cancels the ones you say no to, on the company’s own website while you watch, and can move you to a cheaper plan
- Keeps a running total of what it has saved you, each saving checked on the company's own page
- Lists your bills before they are due: the ones your statements show you pay, the ones in your email, and the ones in the digital mailbox your country may use for bills
- Puts everything you own on one page: savings, funds, shares, loans and your pension, each with the date it was read, and what your funds cost you in money. It only reads: it never buys, sells or moves anything, and it gives no investment advice
- As an experiment, it can pay a bill for you, in your own bank, in your browser. AI makes mistakes, and every payment it makes is your responsibility
Watch it work on a household’s bank statements
Is this for you?
Quite possibly not. If you already know where your money goes, and there is nothing you pay for every month that you would cancel, then this isn’t for you.
It’s for the household that has never once seen a whole year of spending in one place. For anyone fairly sure they still pay for a gym they don’t go to. And for the person who has been meaning to switch the electricity contract since the winter before last.
You decide what it’s worth.
Including nothing. The report is yours at zero, every month, for as long as you like. When it has saved you something, that is the number to set the slider from, and it stays where you put it until you change it.
Money coaches: if you'd like to use Mind My Money with your clients, write to us.
