No bank login required
Upload your statement without sharing online banking credentials, passwords, or card numbers.
SpendWais
Features
Everything is designed around one simple goal: help you understand your statement faster, without asking for your bank login.
Core features
Upload a statement. We make it readable.
SpendWais turns PDFs and screenshots into organized transactions, merchants, categories, and summaries you can actually understand.
Statement analysis
Upload PDF statements or screenshots and convert them into organized transactions.
Merchant recognition
Recognize stores like Grab, Shopee, Lazada, Starbucks, SM, Netflix, and more.
Smart categories
Group spending into food, transport, shopping, bills, subscriptions, healthcare, and more.
Monthly summary
See where your money went this month with simple totals and category breakdowns.
Transaction search
Find transactions by merchant, amount, keyword, category, or date in seconds.
Starter & Pro
For people who review expenses every month.
Paid plans unlock history, trends, recurring charges, exports, and priority processing.
Spending trends
Compare this month with previous months and quickly spot what changed.
Recurring bills
Detect subscriptions, utilities, insurance, loan payments, and repeated charges.
Saved history
Keep previous statement results so you can compare spending over time.
Export reports
Download reports as Excel, PDF, or CSV when you need records outside SpendWais.
Priority processing
Paid users receive faster OCR processing during busy periods.
Early access
Try new features earlier and help shape the product roadmap.
SpendWais AI
Helpful insights, written like a person.
AI features are focused on explaining what happened, not overwhelming users with finance jargon.
AI spending assistant
Ask questions about your spending and get easy-to-understand answers.
Hidden spending detection
Find small purchases, repeated charges, and subscriptions you may have forgotten.
Monthly insights
Understand why this month changed compared with last month.
Spending suggestions
Receive practical, non-judgmental suggestions to improve your spending habits.
Merchant highlights
See your biggest merchants, frequent stores, and unusual expenses.
PH statement support
Built with Philippine banks, cards, merchants, and statement formats in mind.
Coming soon
Already on the roadmap.
Budget goals
Set monthly budgets and receive friendly overspending alerts.
Family dashboard
Share spending insights with your household when you are ready.
Mobile companion
Access SpendWais on mobile for faster statement and receipt checks.
More bank support
Continue improving parsing for more Philippine banks, cards, and e-wallets.
Shared workspaces
Work with family members, accountants, or small business partners.
AI financial coach
Personalized suggestions based on your spending habits and goals.