Stated

Stated lets users upload a bank‑statement PDF (or CSV/Excel) and instantly receive a breakdown of spending, budgets, AI‑driven categorisation and financial insights without ever linking a bank account. The service reads the file directly, applies built‑in merchant pattern recognition for over 120 categories, and presents the analysis within about a minute.

The tool is aimed at individuals who want to track their finances while keeping personal credentials private. It requires only an email for sign‑up and does not collect names, addresses, or income details. All uploaded data is encrypted with AES‑256‑GCM, is never shared or used for model training, and can be deleted with a single action.

Stated differentiates itself by eliminating the need for Open Banking, screen‑scraping, or third‑party account access. It offers a privacy‑first workflow that works with statements from any bank, supports multiple file formats, and provides automated categorisation and budgeting without any manual transaction sorting.