Personal ledger · no bank login
Nixpense keeps every card, account and loan you hold in one ledger — each in the currency it is actually denominated in — and resolves the whole lot to a single figure you can trace back.
0
bank logins, ever
28
currencies, one total
0
ads, ever
Money in
$8,420.00
Money out
−$5,193.48
Net
+$3,226.52
Tuned layouts — no account is ever linked · any other issuer still imports
Export the PDF your bank already sends you and hand it over. No login, no credentials, no connection to your accounts — ever. The arithmetic is checked before you see a figure.
Chequing · Simplii
····2841 · CAD
Credit card · American Express
····6007 · due 24 Aug
Brokerage · Wealthsimple
····9110 · CAD · added by hand
Home loan · HDFC
8.6% · in rupees · added by hand
This month
+$3,226.52
Entries land categorised. Correct one and it sticks, so the same merchant never asks twice. Nothing here is statistical — every decision is a pattern you could read out loud, and yours always outranks ours.
A fresh import lands sorted, not as a wall of Uncategorised.
Keyword rules, Canadian-first. A guess is labelled a guess — "auto, confirm?" — so you know exactly which rows deserve a second look.
Correct Starbucks once. It is never asked about again.
Your correction is ground truth: it outranks the guess permanently, and every Starbucks in the next statement lands pre-sorted.
SQ *STARBUCKS and INTERAC PURCHASE 4471 STARBUCKS are the same shop.
Bank descriptions wobble between statements. They are normalised to a stable key first, so one correction is not quietly taught something narrower than you meant.
"PAYMENT — THANK YOU" is a card payment, not money coming in.
Transfers and debt payments are matched before income, so money moving between your own accounts never inflates what you appear to earn.
Rename any category, add your own, delete what you do not use.
Every rule is a plain pattern you could read out loud. There is no model deciding in the dark and nothing to retrain.
Reporting total · August
+$52,140
Each entry keeps the amount in the currency it was made in, plus the rate stamped on that date. Change the reporting currency and nothing in the history is rewritten.
How one line converts
HDFC home loan — EMI
09 Aug 2026 · original entry
Rate on that day
Stamped, never re-fetched
Lands in the total as
Reporting currency · USD
Money out
$5,193
This figure is
Converted
By category
Every figure drawn here is also written out as text on the same page. The chart is a second way to read it, never the only one.
Take everything out as a single file — every entry, every rule, every rate, and the original PDFs you imported. Delete the account and the documents and entries go with it, not just the login.
Statement of account
1 — 31 August 2026 · USD reporting
No — and it never will ask to. There is no bank connection in the product at all: you export a PDF statement yourself and hand that over. Nixpense never sees a banking credential, and it has no payment rail, so it cannot move money.
Each entry keeps the amount in the currency it was made in, plus the rate published on that date, so history never moves when the market does. You can scope the whole app to a single currency and see the figures exactly as printed with no conversion at all, or combine them when one total is genuinely what you want.
Twenty-eight: the Canadian dollar, plus every currency the Bank of Canada publishes a daily rate for — US dollar, euro, pound, rupee, yen, yuan, real, rand and twenty more. That list is the limit on purpose. Offering a currency we cannot price historically would mean offering an account whose past we could never render honestly.
It still tries — an unfamiliar statement is read from its labels rather than refused. If it will not import, you can send the layout of the document (every digit stripped out, so no amounts leave your device) and the parser gets taught that issuer.
Export everything as a single file — every record, including the original PDFs — then delete the account. Deletion removes the documents and the entries, not just your login.
No ads, no affiliate cards, no data resale, and no third-party analytics anywhere in the app. Nixpense is free while it is in active development.
No. There is no OCR, so a scanned or photographed page has no text to read and the app says so plainly rather than returning an empty result. Export the PDF from your bank instead of scanning a paper copy.
Free while in development
One statement, every account, every currency you hold, and a total you can trace back to the entry it came from.
No card, no bank login · Export or delete everything, whenever you like