How it works
Most finance apps begin by asking for the credentials to your bank. This one begins with a file you already have. That single constraint is what shapes everything below.
Download the statement your bank already produces, the same way you would to send it to an accountant. There is no login to give, no credential to store and nothing to authorise — Nixpense has no way to reach your bank and could not use a password if you offered one.
The parser pulls out the institution, the statement period, the opening and closing balances, the interest rate, the due date and every transaction line. 11 Canadian issuer layouts are tuned by name; anything else is read from its labels by a generic profile rather than refused.
A statement is a closed system, so it can be proved rather than trusted. If the figures do not reconcile, the import is flagged instead of quietly accepted — a number is either verified or it is labelled as unverified.
Nothing is written to your ledger until you say so. You see exactly what was read, correct anything wrong, and confirm. Cancel instead and nothing is left behind — no row, no stored file.
Every statement carries its own proof. What you started with, plus everything that happened, must equal what you ended with. If a figure was misread, the two sides stop agreeing — so a parsing mistake becomes visible arithmetic rather than a plausible wrong number sitting quietly in your ledger.
This runs before anything is displayed. It is the reason the product can claim a figure is trustworthy at all, and the reason it says so plainly when one is not.
A product that reads financial documents is only worth trusting if it tells you where it stops. These are the boundaries, stated before you sign up rather than discovered after.
There is no OCR. A photographed or scanned page has no text to extract, and the app says so rather than returning an empty result.
There is no payment rail anywhere in the product. Marking a payment as done records that you paid it somewhere else.
No aggregator, no read-only banking API, no credentials. Not as a policy — there is no such code.
It shows arithmetic on your own figures. What to do about them is not something software should be telling you.
An unverified figure is labelled unverified. A guessed category is labelled a guess. You are never shown a confident number that is not one.
No third-party analytics, no trackers, no ad scripts. The only cookie is the one that keeps you signed in.
Free while in development
No card, no bank login · Export or delete everything, whenever you like