Without an app
A bank export and half an hour
You do not have to connect your bank to anything to find out where the money goes. Download a CSV, paste it into an assistant with one of these prompts, and read the answer yourself.
Connect your bank
An app links to your account through a data aggregator and categorizes automatically. Fastest, and the aggregator sees every transaction.
Costs money, and your data leaves with a third party.
Export a CSV
Download a statement from your bank, paste it into an assistant with one of the prompts below. Nothing is connected and nothing is stored.
Costs about half an hour, and you have to repeat it each month.
No prompts are published yet.
The apps comparison covers the connected route in the meantime.