Spend Analyser reads the CSV exports from your Australian bank and credit card accounts, then separates the money that leaves your account whether you like it or not — subscriptions, insurance, utilities, memberships — from the money you actually choose to spend.
Free forever No signup No bank login Nothing leaves your browser
Most budgeting tools bucket everything into categories like "Shopping" and "Food" and leave you to work out the rest. That misses the question worth asking: how much of your money is already spoken for before the month even starts?
Streaming services, gym memberships, insurance premiums, phone and internet plans, energy bills, storage units, software you signed up for once. It renews silently. Spend Analyser finds it by spotting the rhythm in your transactions — weekly, fortnightly, monthly, quarterly or annual — and shows you the annual figure you're actually locked into.
Groceries, dinners out, coffee, weekend trips, the occasional splurge. This is the part every budgeting app tells you to cut. It's also the part you already know about. Seeing it cleanly separated from your fixed costs is what makes it possible to judge whether it's actually the problem.
No account to create, no bank login to hand over, no app to install. If you can download a CSV from your internet banking, you can use this.
In your internet banking, open an account's transaction history, pick the longest date range on offer and export it as CSV. Twelve months gives the most reliable results, because annual and quarterly charges need a full year to reveal themselves. Repeat for each account and card.
Drag every file onto the page at once — different banks, different column layouts, headerless exports and Amex-style exports all mixed together. The format of each file is worked out automatically and they're merged into one picture. Nothing is uploaded.
Your recurring commitments with their true monthly cost, your month-by-month totals, your biggest merchants, and a list of things worth a second look. Disagree with something? Tick or untick any merchant and the numbers update. Your corrections are remembered.
Already have your CSVs ready? Open Spend Analyser and drop them straight in.
Detection works from the shape of your transactions — the timing and the amounts — rather than a list of known brand names. That means it recognises the Australian merchants an overseas tool has never heard of: your local gym, your strata levies, your regional energy retailer.
Every recurring charge, with its cadence and what it truly costs per month. Annual and quarterly items are normalised so a $289 insurance premium shows up as its real $96 monthly weight.
Subscriptions that quietly went up. The tool compares the first charge to the most recent one and flags anything that moved, so annual increases don't slip past unnoticed.
Recurring items with no charge for well past their usual cycle — either you cancelled and forgot, or a payment failed and something you rely on has lapsed.
The same merchant billing you twice in a window where only one charge makes sense. Worth checking before it becomes a habit.
Account keeping fees, overdrawn fees, international transaction fees and card interest pulled into one total, so you can see the annual cost of your banking arrangements.
Paying off a credit card isn't spending, and moving money to your savings isn't either. Internal transfers and card payments are recognised and excluded, so nothing gets double-counted.
A full grid of every merchant against every month. Blank cells make quarterly cycles and missed payments obvious at a glance, and everything is sortable and searchable.
Returns are matched back against the charge they reverse rather than being counted as separate income, so your category totals reflect what you actually spent.
Export the finished analysis as CSV and take it into Excel, Google Sheets or your accountant's spreadsheet. Exclude any transaction you don't want counted and the choice sticks.
When rates, rent, insurance and groceries all move at once, it's genuinely hard to tell whether you're overspending or simply paying more for the same life. Splitting fixed from variable answers that in a couple of minutes.
"I earn more than last year and somehow have less left over."
Drop in both partners' accounts and every card, and see the household's real committed run-rate in one place — including the four streaming services nobody realised were all still active.
"Are we paying for the same thing twice?"
Lenders assess your regular commitments and living expenses closely. Knowing your own numbers — and trimming subscriptions you no longer use — before a broker goes through your statements line by line is worth doing.
"What will they see when they read my last three months?"
Separate the software subscriptions and recurring business costs from personal spending before tax time, and export the lot as a CSV your accountant can actually work with.
"Which of these are deductible, and what did they total?"
No categories to maintain, no daily check-ins, no nagging notifications and no subscription of its own. Run it once a quarter, act on what it shows you, close the tab.
"I don't want another app to keep up with."
Plenty of tools require your internet banking credentials or an open banking connection. If handing those over to a third party isn't something you're willing to do, this works entirely from a file you export yourself.
"I'm not giving an app my banking login."
This isn't a policy promise about how carefully your data is stored somewhere. There is nowhere for it to go. Spend Analyser is a single web page that does all of its work inside your browser.
Open the tool, then turn off your wi-fi or pull out the ethernet cable. Load your CSVs and run the whole analysis with no internet connection at all. It works exactly the same, because there was never anything on the other end.
If you'd rather not trust the hosted copy, save the page to your computer — Ctrl+S, or Cmd+S on a Mac — and open that file instead. It's self-contained and runs from your desktop.
Which is effectively all of them. Column layouts differ between institutions — some label their headers, some don't, some split debits and credits into separate columns — and each file is examined and interpreted on its own terms. Files from different banks can be analysed together in one go.
Bank names are listed to show which exports have been catered for. Spend Analyser is an independent tool and is not affiliated with, endorsed by or connected to any of these institutions.
Yes, completely. There's no account, no signup, no trial that expires, no paid tier and no advertising. It's a tool that does one job.
No. Spend Analyser contains no code capable of sending your data anywhere — no server calls, no analytics, no third-party scripts. Your files are read by your own browser and the analysis runs on your device.
The simplest way to satisfy yourself is to disconnect from the internet after the page has loaded. Everything still works, because nothing was ever being sent.
Any bank or card issuer that lets you export transactions as a CSV file, which in practice means all of them — CommBank, ANZ, NAB, Westpac, ING, UBank, Macquarie, Bendigo, Bankwest, St.George, Suncorp, Up, American Express and the rest. Column layouts are detected automatically, including headerless exports, so you can analyse files from several different banks at the same time.
No, and you shouldn't be asked to by anyone. Spend Analyser has no open banking connection and no credential form. You export a CSV yourself from your internet banking and open it locally. Your banking login is never involved at any point.
It looks for a regular rhythm in the dates paired with stable amounts, rather than checking merchant names against a fixed list. A charge landing every 30 days for a similar amount is a subscription regardless of who it's from — which is why it recognises your local gym or regional energy retailer just as well as Netflix.
Cadence detection covers weekly, fortnightly, monthly, quarterly and annual cycles. If something is misclassified, tick or untick it and your correction is remembered.
Twelve months if you can get it. Quarterly and annual charges — insurance, domain renewals, professional memberships — simply can't be identified without a long enough window, and they're often the ones worth finding. Three months is enough to see monthly subscriptions and your general shape of spending.
Yes, and it's better if you do. Drop in every account and card at once and they're merged into a single picture. Transfers between your own accounts and credit card payments are recognised as movements rather than spending, so paying off your card doesn't get counted twice.
No. Spend Analyser summarises transactions you already have and presents them more clearly. It doesn't recommend products, make projections or tell you what to do with your money, and it isn't a substitute for advice from a licensed financial adviser.
It runs in any modern mobile browser, but the analysis is dense and table-heavy and a larger screen is a much better experience. Exporting CSVs from internet banking also tends to be easier on a computer.
The transaction data is gone — it only ever existed in the page's memory. The one thing kept is your own corrections (which merchants you marked as recurring, which transactions you excluded), stored in your browser's local storage on your device so you don't have to redo them. Clearing your browser data removes those too.
Export a year of transactions, drop the file in, and have the answer before your coffee goes cold.
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