Stated

Stated by Stated Money offers instant spending breakdowns, budgets, AI categorization, and financial insights from uploaded bank statement PDFs—no bank login, CSV conversion, or risk required.

AI finance tool bank statement analyzer expense tracker budget management PDF financial insights

Open site

What is Stated?

Stated is a finance app that analyzes your spending without needing your bank login. You upload a bank statement PDF (or CSV/Excel file), and it instantly categorizes your transactions, creates budgets, and provides financial insights. It uses AI and built-in merchant patterns to automate the process, turning a statement into a clear spending overview in under 60 seconds. No personal info like your name or address is required—just an email to sign up.

Application scenarios

Personal budget tracking
Upload monthly bank statements to see where your money goes and set category budgets.
Freelance expense management
Freelancers can quickly categorize business and personal spending from PDF statements.
Recurring payment monitoring
Identify subscriptions and recurring charges like Netflix or Noon without manual sorting.
Financial planning
Use AI insights and a financial assistant to ask questions about your spending trends.
Security-conscious users
Anyone who avoids giving bank logins to third-party apps can safely analyze their finances.
Multi-account consolidation
Upload statements from different banks (120+ supported) into one dashboard.

Core Features

Instant statement upload
Drop a bank statement PDF, CSV, or Excel file—no conversion needed. Stated reads transactions directly.
AI-powered categorization
A 3-layer system uses your past choices, 120+ built-in merchant patterns, and AI to sort every transaction automatically.
Persistent learning
Every manual categorization you make is remembered permanently. Next month, those merchants are categorized instantly without AI.
Budget tracking
Set monthly or yearly budgets per spending category and watch your progress in real time.
Spending insights dashboard
View budgets, spending trends, recurring payments, and AI-generated insights in one place.
Financial assistant
Ask questions about your finances directly within the dashboard.
Bank-grade security
All data is encrypted with AES-256-GCM. Your data is never sold, shared, or used to train AI, and you can delete everything with one click.
Multi-format support
Works with PDF, CSV, and Excel files from over 120 banks.

Target users

Individuals who want to understand their spending without linking a bank account. This includes freelancers, remote workers, small business owners, and anyone cautious about sharing financial login credentials. It's also ideal for people who already download bank statements but find manual CSV sorting tedious.

How to use Stated?

Sign up with just an email—no name, address, or income questions.
Upload a bank statement PDF (or CSV/Excel file) directly.
Stated automatically reads your transactions and categorizes them using its 3-layer system.
View your spending breakdown, budgets, trends, and AI insights on the dashboard.
Optionally, set monthly or yearly budgets per category and track progress.

Pricing and free trial

The website text does not mention specific pricing or a free trial. It only includes a "View Plans" link, but no prices or tier details are provided.

Effect review

Stated solves a real pain point: getting financial insights without handing over bank login credentials. The 60-second turnaround from PDF to categorized dashboard is genuinely useful for anyone tired of manual Excel sorting. The persistent learning feature—where it remembers your past categorizations—means accuracy improves over time without relying solely on AI. While the lack of explicit pricing details makes it hard to assess long-term value, the security-first approach (no data sharing, AES-256 encryption) is a strong selling point. For users who value privacy and simplicity, Stated delivers exactly what it promises.

Frequently Asked Questions

How does Stated work?

Upload a bank statement PDF, and Stated uses AI to instantly categorize transactions, show spending breakdowns, and provide financial insights—no bank login or CSV needed.

Is my financial data secure with Stated?

Yes, Stated never requires bank login credentials. You only upload PDFs, and data is processed securely without storing sensitive information.

What file formats does Stated accept?

Stated accepts bank statement PDFs directly. No CSV conversion or manual data entry is required.

Can Stated create budgets?

Yes, Stated automatically generates budgets based on your spending patterns from uploaded statements, helping you track and manage expenses.

Does Stated support all banks?

Stated works with any bank that provides standard PDF statements, as it uses AI to parse and categorize transactions regardless of the bank.

Is Stated free to use?

Stated offers free basic features, with premium options available for advanced insights and unlimited statement uploads.