Find the month that moved your average.
This is the part that pays for the setup. Look down a year and the story is in the bumps: the month travel showed up, the summer of home improvement, the quarter a category quietly doubled while you weren't watching. Click a month to see what was in it, click a category to read the charges behind it, and fix a bad call on the spot — the averages catch up in the same breath, because the whole history is already in the browser and nothing has to be recomputed on a server first.
You decide what counts as groceries.
Most apps guess your categories and won't show their work. When one decides the hardware store was Entertainment, you can fix that single charge — and it guesses the same way again next month. Here the rules are the product: a plain list you can read, edit, and reorder. Change one and every transaction it touches updates on its own, the ones you already have and the ones you load next. When two rules disagree the app says so and shows you both, instead of quietly picking a winner.
The subscriptions you stopped noticing.
Charges that keep coming back are grouped by how alike they are and sorted into subscriptions, bills, and habits. A nine-dollar charge you have been paying since 2021 is nearly invisible in a statement and hard to miss on a timeline — and cancelling it is usually the fastest money anyone finds here.
Bring your own agent.
Point Claude, ChatGPT, Cursor, or any MCP client at the hosted server at mcp.taz.randomfact.com and ask your own questions of your own data: which categories are drifting, what changed since March, where the savings are actually hiding. It can write rules too, so your categorization gets better through conversation rather than form-filling. In Claude Code it is one line:
claude mcp add --transport http --scope user transaction-analyzer https://mcp.taz.randomfact.comThen run /mcp once and sign in through the browser tab that opens. In Claude Desktop or on claude.ai, add the same URL under Settings → Connectors as a custom connector instead. No local server to run and no key to paste — the agent signs in as you, and sees only your own workspace.
No bank logins. Nothing linked.
You are never asked for your online banking password, and no third party is brokered a permanent connection to your accounts. Download the CSV or PDF your bank already gives you and drop it in. Thirteen bank and card formats are built in — Chase, Amex, Ally, Capital One, PNC, Revolut, TD, Wells Fargo — plus Chase and Wells Fargo monthly PDF statements. Hit a format it doesn't know and it proposes a column mapping, parses your own file against it, and waits for you to confirm before saving anything.
Nobody is paid to put anything in front of you.
The free budgeting apps have to make money somewhere, and it isn't from you enjoying them — it's the offers wedged between your transactions and the business of knowing what you bought. This one has neither. There is nothing to upsell you, no partner card to recommend, and nothing about your spending is worth anything to anyone but you.
