Everything falls into its place.
Spendprism turns raw bank feeds into a clear, shared picture of your family's money — imported, categorized, explained.
Read-only bank access — we see transactions, we can never move money · EU data · export anytime
A raw statement is white light. Everything at once — unreadable.
Spendprism is the prism. It lets you see the details.
- Housing -5 100 zł
- Food -2 971 zł
- Transport -460 zł
- Kids -1 550 zł
- Health -150 zł
- Leisure -192 zł
Every expense in its own color. And this is how it really looks:
How it works
From bank feed to clear picture.
- 01
Connect your banks
Live sync through Salt Edge, a licensed EU account-information provider — or drop in the CSV your bank exports (PKO BP and ING work out of the box). Every account, card and the cash in your pocket — one ledger.
- 02
AI sorts, you confirm
Suggestions arrive grouped by merchant, so you review a month of spending in a handful of decisions. Rules remember what you decide.
- 03
Minutes a month
After the first import, keeping the picture true is a quick review with your coffee — not an evening with a spreadsheet.
Analytics
See where the money actually goes.
Slice spending by category, month, account or person. Drill from "groceries are up" to the exact receipts behind it. Every view is a link — send it to your partner and they see exactly what you see.
Built for two
A ledger the whole household shares.
One shared truth
Invite your partner into the household. Same ledger, same numbers — no more "which spreadsheet is current".
Roles that respect trust
Owners manage accounts and settings; members see and categorize. Danger zones stay behind the right role.
Every currency, one total
Multi-currency accounts consolidate into your home currency automatically — the picture stays whole.
For power users
The whole system is scriptable. The same API the app runs on — plus a CLI and an MCP server your agents can drive. If that sentence made you sit up, there's a page for you.
Pricing
Start free. Pay for the automatic parts.
The whole ledger works at 0 zł — import files, categorize, analyze, share. You pay for the two things that cost us money: live bank connections and AI. early-access pricing
Ledger
0 zł forever
- Full ledger — splits, tags, categories
- File imports: CSV + MT940
- Analytics with shareable views
- Invite your household
- Cash wallet & multi-currency accounts
Sync
20 zł / month
- Everything in Ledger
- Bank sync via Salt Edge — transactions arrive on their own
- AI categorization & receipt scanning — 100 AI actions a month
Unlimited
35 zł / month
- Everything in Sync
- Unmetered AI categorization & receipt scanning
FAQ
Frequently asked questions.
Is my bank data safe? +
Bank connections are read-only and run through Salt Edge, a licensed EU account-information provider — we can see transactions, never move money. You never type your bank password into Spendprism. Data stays in the EU, AI inference included, and you can export everything at any time.
Do I have to categorize everything myself? +
Mostly no. Deterministic rules and a merchant catalog handle the predictable majority on every plan, and your decisions become rules. On Sync and Unlimited, AI proposes the rest, grouped by merchant, so you confirm a month in a handful of clicks.
Which banks and formats work? +
Live bank sync via Salt Edge (PSD2), plus file imports: CSV (PKO BP and ING out of the box) and MT940.
Can my partner see everything? +
That's the point — one shared household ledger. Invitations with roles: owners manage accounts and settings, members view and categorize.
What about cash? +
A cash wallet is a first-class account. Record cash spending manually and it shows up in the same picture as everything else.
Can I cancel anytime? +
Yes. Plans are monthly with no commitment — cancel whenever, and your ledger and data simply continue on the free plan.
Can I leave and take my data? +
Always. Full export of transactions, categories, tags and notes — as files or over the API. Your ledger is yours.