Stated

What it does

Every personal finance app asks for your bank login. You hand over credentials to a third party, hope they're secure, and pray nothing leaks. For millions of people, that's a dealbreaker. The alternative? Spreadsheets that never get updated, or just... not knowing where your money goes. Stated lets you track spending, set budgets, and get AI-powered insights — just by uploading a bank statement PDF. No bank login, no personal info, no risk.

Upload a bank statement PDF and get instant spending breakdowns, budgets, AI categorisation, and financial insights. The only finance app that reads PDFs directly — no bank login, no CSV conversion, no risk.

Upload a bank statement PDF. Get instant spending insights, budgets, and AI categorisation — no bank connection, no personal info, no risk. Most finance apps require Open Banking or screen scraping. You're trusting a startup with the keys to your money — and hoping nothing goes wrong. You downloaded a CSV, opened Excel, and spent an hour colour-coding rows. Last month you didn't bother. The month before that, you forgot entirely. You feel like you overspent, but you can't prove it. You check your balance and hope for the best. Sound familiar? Most finance apps want your bank login. Stated just needs a file. No tokens, no screen scraping, no third-party access to your accounts. Upload a…from statedmoney.com

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  Hi HN, I built Whisper Money because I was frustrated that every personal finance app wanted full access to my bank credentials, fed my transactions into AI systems, or sold my spending data to third parties. Whisper Money takes a different approach: - *No bank credential sharing* - Import your transactions via CSV/XLS exports from your bank. No Plaid, no OAuth to your bank, no third-party integrations that can get breached. - *No AI snooping* - Your transactions are never fed into AI systems you don't control. - *No third-party data sharing* - Your financial data is never shared with…

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