StatedPrivate finance tracker that turns bank statements into insights — no bank login required.

4.8 (4)

Reviewed by Daniel Nikulshyn·Updated July 2026

Personal Finance Privacy-First Budgeting Analytics Document Parsing Self-Serve

Overview

Stated is a personal finance tool that analyzes your spending from bank statements you upload directly, supporting PDF, CSV, and Excel formats. Because it never connects to your bank account, there are no credentials to share and no third-party aggregator sitting between you and your data. Once a statement is imported, Stated categorizes transactions, surfaces trends, and helps you understand where your money goes across accounts and time periods. It's designed for people who want clearer financial visibility without handing over login details to a budgeting app. The tool fits users who prioritize privacy, freelancers juggling multiple accounts, or anyone whose bank isn't supported by traditional open-banking services.

Key features

Statement parsing for PDF, CSV, and Excel
Automatic transaction categorization
Spending trends and breakdowns
Multi-account consolidation
Privacy-first, no-login design

Pricing

Model: Freemium
Category: Data Analysis
Rating: 4.8 / 5 (4)

Use cases

Track spending without sharing bank logins

Upload PDF, CSV, or Excel statements to see categorized spending and trends without connecting credentials or relying on a third-party aggregator.

Consolidate finances across multiple accounts

Freelancers and multi-account users can import statements from different banks into one view to understand total spending across accounts and time periods.

Analyze finances from unsupported banks

If your bank isn't covered by typical aggregator-based apps, upload its statements directly to Stated and still get categorized transactions and spending insights.

Review historical spending patterns

Import past statements to surface long-term trends and category breakdowns, helping you spot recurring expenses or shifts in financial habits.

Pros & Cons

Pros

No bank login or credentials needed
Supports PDF, CSV, and Excel statements
Privacy-focused approach to financial data
Works with banks not covered by aggregators

Cons

Requires manual upload of each statement
Insights limited to data in provided files
No real-time transaction syncing

Reviews

4.8

Average from 4 ratings.

Tariq Aziz

Feb 3, 2026

Does the job

Pretty happy overall. Statement parsing for PDF, CSV, and Excel just works and privacy-focused approach to financial data. but no dealbreakers — I'd recommend it to a friend without hesitating.

Devin Walker

Jan 4, 2026

Does the job

Pretty happy overall. Automatic transaction categorization just works and supports PDF, CSV, and Excel statements. but no dealbreakers — I'd recommend it to a friend without hesitating.

Hannah Goldberg

Sep 8, 2025

Does the job

Pretty happy overall. Automatic transaction categorization just works and supports PDF, CSV, and Excel statements. Insights limited to data in provided files can be annoying, but no dealbreakers — I'd recommend it to a friend without hesitating.

Kwame Mensah

Sep 2, 2025

Does the job

Pretty happy overall. Statement parsing for PDF, CSV, and Excel just works and privacy-focused approach to financial data. but no dealbreakers — I'd recommend it to a friend without hesitating.

Q&A

How accurate is the transaction categorization and can I improve it over time?

Stated uses a three‑layer system: your past manual choices, 120 built‑in merchant patterns, and AI for new merchants. The more you use it, the more the system learns and the fewer manual corrections you’ll need.

Asked by Dumisani Ndlovu · Feb 21, 2026

What privacy and security measures does Stated use to protect my uploaded data?

Stated encrypts all files with AES‑256‑GCM, never stores personal identifiers, and does not share or sell your data. You can delete all your uploaded information with a single click.

Asked by Celeste Marchetti · Jan 12, 2026

Can Stated provide real‑time budgeting or does it only work with uploaded statements?

Insights are generated from the statements you upload, so there is no live syncing of transactions. You’ll need to upload each new statement to refresh budgets and trends.

Asked by Yosef Mizrahi · Jan 6, 2026

How do I get my financial data into Stated and what file types are accepted?

You upload your bank statements directly—no login required. Stated accepts PDFs, CSVs, and Excel files, and can read the data straight from a PDF without conversion.

Asked by Lorenzo Bianchi · Dec 22, 2025