SpendKeep AI

SpendKeep AI is a privacy-first personal finance and expense tracking application designed for users who want full control over their financial data without relying on bank syncing services like Plaid. It offers a zero-sync architecture, allowing users to forward bank SMS/email alerts, import CSV/PDF statements, or manually enter transactions. The built-in Llama-3 AI engine automatically categorizes expenses into Needs and Wants, providing actionable insights through a clean dashboard. Key features include auto SMS parsing, LLM categorization, recurring rules, wants vs needs split, yearly AI insights, and a suite of 18+ free financial calculators. SpendKeep is ideal for everyday budgeters and technical operators who prioritize financial sovereignty and privacy. It is GDPR and CCPA compliant, with PostgreSQL row-level security, encrypted data, and one-click data export/purge.