You ask
“Where did my money go last month?”
Spending by category for the month, drawn from the reconciled books, in plain words.
For individuals and households
Your money, in order. Your AI does the asking; FinStat does the heavy lifting.
No software to learn and no monthly fee. Give your AI your statements, receipts and bills. It guides you through what’s missing, FinStat builds accurate books, and your AI turns them into budget reports made for your situation. Using Claude, ChatGPT or Grok? Connect FinStat and tell your AI what you want to know.
1,000,000 free tokens · no credit card · no monthly fee
01 / How it works
You answer a few questions. The books get done.
Agent-based accounting keeps your part small. Your AI knows what to ask for, and FinStat does the reading, checking and reconciling behind it.
Your AI guides you.
It asks for the statements and bills it needs, and tells you what’s missing: a month of a card statement, the loan account, last year’s pay stubs.
FinStat does the heavy lifting.
It reads each document, digital or scanned, checks it and seals it. It reconciles each account to the bank’s own balances and recognizes who you paid. What it can’t settle comes back to your AI as a question.
You get your books and your reports.
Spending by category, budget against actual, what changed month to month, a tax-time summary. In plain words, whenever you ask.
02 / What you hand over
The paperwork you already keep.
FinStat reads fourteen document types. For a household, these are the usual ones. Each is checked against the law of its form and sealed: clear text anyone can read, and tamper-evident.
| What you hand over | What FinStat does with it |
|---|---|
| Bank and card statements | PDF, digital or scanned. Each account is reconciled to the bank’s own printed balances. |
| Receipts | Read, checked and sealed, with the store or person you paid recognized. |
| Bills and invoices | Utilities, insurance, a contractor’s invoice: read, checked and sealed like the rest. |
| Loan and savings statements | Mortgage, car loan, savings: reconciled to their printed balances like any other account. |
| Pay and payroll statements | Pay stubs and payroll statements, so income is recorded from the document itself. |
Your files can stay on your own machine as sealed documents, as well as in your FinStat workspace.
03 / What you can ask for
Ask the way you would ask a person.
You ask
“Build me a budget from the last six months.”
Your AI works from six months of books to propose a budget shaped around what you actually spend.
You ask
“How are we doing against the budget this month?”
Budget against actual, category by category, with what changed since last month.
You ask
“Put together what my tax preparer needs.”
A tax-time summary for the year, with the sealed documents behind each figure.
FinStat keeps the books; your AI turns them into the budget reports you ask for.
1,000,000free tokens to start, no credit card
$30per million tokens after that
No monthly feeand no subscription
Usage-basedyou pay only for the work FinStat does
Usage-based pricing · full pricing
04 / Questions people ask
Straight answers.
- Do I need accounting knowledge?
- No. Your AI asks what it needs in plain words, and FinStat keeps the books correct underneath.
- Is there a monthly fee?
- No. You pay only for the work FinStat does, and the free tokens cover a first set of books.
- Does FinStat connect to my bank?
- Not today. You or your AI hand it the statements, and there is no bank login to share. An optional bank connection through Plaid is coming soon.
- What if I have a side business?
- One account can be split into household books and business books. How the split works.
No software to learn, no monthly fee
Start with last month.
Connect FinStat to the AI you already use and hand it last month’s statements and receipts. Ask for the books, then ask where your money went.