AI-powered personal finance audit

Your accounts, finally legible.

Drop in statements from every bank you use. Pascal reads them, understands each transaction (income, transfer, fee or expense) and keeps a double-entry ledger that always balances. In the fully encrypted cloud, or 100% local on your own computer.

PDF · CSV · OFX · XLSX · QIF + 9 more formats  ·  Encrypted cloud or 100% local desktop  ·  No card required
Canvas · March 2026
fit width · 100%
Checking
Card
EUR account
Savings
Everyone else
Mar 03
−$1,240.00
+$1,240.00
Mar 04
−$86.40
+$86.40
Mar 05
−$2,000.00
−$3.00
+$2,000.00
+$3.00
Mar 06
−€54.99
+€54.99
Mar 07
+$6,850.00
−$6,850.00
Mar 08
−$1,299.00
+$1,299.00
Northwind Labs · payroll
+$6,850.00
Employment income · assessable
AI · confirmed by you0.99
Transfer linked · $3.00 fee attached, not spend
4 need review
How the audit runs

One drop. Five steps. Zero guesswork.

Every statement goes through the same pass. Pascal does the reading; you make the calls that matter.

Drop

PDF, CSV, OFX, XLSX: whatever the bank gave you. Rows stream in as they're read.

Extract

Every line becomes a candidate posting carrying the bank's own reference, so nothing is imported twice.

Understand

Vendor payment, internal transfer, fee, income or refund, each with a confidence score and a one-line reason.

Review

Approve in bulk, step through what's uncertain, or let high-confidence labels post themselves.

Balance

Postings sum to zero per currency. Export to Excel or QuickBooks whenever you like.

The canvas

Ten days, four accounts, one glance.

Columns are your accounts, then everyone you pay. Rows are days. Click any posting to see how Pascal read it. This one is live.

selecthanddate:2026-03
11 transactions · 4 to review
Checking
Card
EUR account
Savings
Everyone else
Mar 03
Mar 04
Mar 05
Mar 06
Mar 07
Mar 08
Mar 10
Mar 11
Mar 12
Mar 14
Inspector
Apple Store
Mar 08, 2026 · Normal
Card−$1,299.00
Apple Store+$1,299.00
Balances to$0.00
Capital expenditureNeeds reviewUnusual amount
AI · auto-taggedconfidence 0.62
Guided review walks untagged transactions oldest first. Manual and confirmed labels are never overwritten.
Insights · review only

Pascal notices. You decide.

Computed over your latest posted transactions and refreshed whenever the ledger changes. Insights surface things. They never edit the books.

Recurring charge
Spotify: $16.99 on the 10th, six months running.
Unusual charge
Apple Store: $1,299.00, fifteen times this payee's median.
Fees
$3.00 in bank fees this month against $31.00 last month.
Possible transfer
−$1,402.39 Checking and +$1,402.39 Card, one day apart.
Two products, one ledger engine

Built for one person's accounts. Ready for a company's.

Personal
Cloud · Desktop

Several banks, a card or two and a currency account, read into one ledger that separates transfers, fees and income without you asking.

  • Statements in any format the bank exports
  • One tax-treatment category per transaction, with who set it
  • Multi-currency balances that never mix
  • Planner: “can I afford this?” without touching the ledger
Explore Personal →
Business

Run every company you own from one place. Vendor payments, inter-company transfers and expenses are told apart automatically, each with a confidence score.

  • Multiple companies, one login, one dashboard
  • Vendor payments vs. internal transfers, separated
  • High-confidence labels post themselves; the rest wait for you
  • Journal and bank exports for QuickBooks Online and Desktop
Explore Business →
Cloud or desktop

Same audit. You choose where the data lives.

The desktop edition saves everything locally on your own computer: the ledger, your statements, your account numbers and balances live in a database on your disk, never on our servers. Only anonymised transaction descriptions are sent to the AI model for understanding, never balances, account numbers or files. The cloud edition is fully encrypted, in transit and at rest.

Cloud
Sign in from any browser. Fully encrypted in transit and at rest, one tenant per ledger, the AI assistant included.
Desktop · local
macOS and Windows. All data is saved locally on your own computer and it works offline. Cloud AI models see only anonymised transaction text, never your files or numbers.
Your computer
ledger · statements · account numbers · balances, all saved locally
→ to the AI model
anonymised descriptions only
← back to you
category · confidence · reason

Start with the statement you've been avoiding.

Free for one ledger. Import in minutes, review at your pace, export whenever you want to.