SpendLens
How much do I really need?
Your true cost of living, today and in retirement, worked out from your own bank statements. Switch off what won't continue, like mortgage repayments and work costs.
Free, no sign-up, no ads. Sample data is built in so you can explore first. Load at least a full year of statements for the best result.
Spending
Load CSV or PDF statements from several accounts. Transactions are categorised automatically, and you can refine them by month and category.
Investments
Consolidates accounts, super and shareholdings, reads buys and sells from statements, values holdings with live prices, and works out your return with trading effects removed.
Privacy
Everything runs in your browser. Two optional features, AI categorising runs only when you press the button and sends cleaned transaction descriptions to Google Gemini.
The Long Weekend Plan The Long Weekend Plan can also build your budget from your statements, so your plan starts from what you really spend. Prefer a spreadsheet? Try the Spreadsheet Tracker.