Inspired by modern budgeting apps • Built for credit cards • PDF → clarity

Understand your credit card spending and balances — automatically.

Upload your end-of-month statement PDF and Bill parses it, categorizes every charge with AI, and generates practical tips to cut spend — plus a clean snapshot of your balances.

Get early access
  • Auto-categorize transactions (and learn your custom rules).
  • Actionable tips based on trends, subscriptions, and spikes.
  • Balance clarity for statement vs current, due dates, and utilization.

No bank login required — start from the statement you already have. This landing page includes a mock demo (no uploads happen).

January statement
Parsed
Statement balance
$2,184.33
Due Feb 18 • Min $35
Spending this cycle
$1,492.10
+12% vs last month
Top categories
This month’s tips
  • Cancel 2 duplicate subscriptions (save ~$24/mo).
  • Dining is trending up — set a weekly cap of $70.
  • Pay $120 extra to reduce interest next cycle.
Export: CSV • Google Sheets • Notion Privacy-first processing

Designed for clarity — not spreadsheets.

Statement parsing
Smart categorization
Actionable guidance
Balance insights

Built for statement reality

Credit card statements are messy: merchants are inconsistent, categories vary, and balances can be confusing. Bill is designed to turn that chaos into a clean, useful summary.

Automatic categorization that improves

AI labels each transaction (Dining, Groceries, Travel, Bills, etc.) and learns from your edits to create durable rules for the future.

  • Merchant normalization (e.g. “UBER *TRIP” → Uber)
  • Split ambiguous merchants by context
  • Custom categories and overrides

Actionable tips (not guilt)

Bill surfaces the few changes that matter most: subscription bloat, spend spikes, and low-effort wins based on your actual statement.

  • Spot recurring charges and trial traps
  • Weekly caps and “safe-to-cut” suggestions
  • Paydown guidance to reduce interest

Balance clarity & due-date focus

See the difference between statement balance and current balance, track minimum due, and get reminders for the dates that matter.

  • Statement vs current balance explained
  • Minimum due & due date highlights
  • Utilization estimate and trend

Works from PDFs you already have

No bank login required. Upload your end-of-month statement PDF and get insights fast. Export results to your favorite tools.

  • PDF parsing with layout awareness
  • Exports: CSV + spreadsheet-friendly
  • Multi-card support (coming soon)

How it works

A simple flow: upload → parse → categorize → explain. In the real app, the model extracts the statement’s tables, normalizes merchants, assigns categories, and generates tips from your trends.

  1. Upload your statement PDF

    Drag & drop the end-of-month statement. (You can also upload CSV later.)

  2. AI parses transactions & balances

    We extract charges, payments, fees, due dates, and balances into clean structured data.

  3. Categories + explainable rationale

    Every transaction gets a category plus “why” signals you can correct and teach.

  4. Tips you can act on today

    Recurring charges, spikes, and paydown suggestions — summarized in a short checklist.

Interactive demo (mock)

Drop any PDF here to preview the experience. This demo does not upload or parse your file — it shows a realistic example output.

Drag & drop a statement PDF
or choose a file
Demo only • No upload • No account
Ready.

Balances

Clear definitions — no surprises
Statement balance
Minimum due
Due date
Utilization (est.)

Utilization shown is a demo estimate. Real results depend on credit limit and timing.

Categories

Spending breakdown by merchant signals
Run the demo to see categorized totals.

Actionable tips

Small changes that add up
  • Run the demo to see tips based on statement patterns.

Sample transactions

What the parser extracts
Date Merchant Category Amount
Run the demo to populate transactions.

Simple pricing

Start free. Upgrade when you want multi-card support, exports, and deeper insights.

Free

$0

Try the core flow

  • 1 statement / month
  • Basic categories
  • Balance snapshot
Join waitlist

Pro

$12/mo

For power users

  • Multi-card + household
  • Category budgets & alerts
  • Utilization & paydown planner
  • Priority parsing & support
Join waitlist

Prices shown are placeholders for the concept stage. You’ll be notified before any billing exists.

FAQ

Common questions about PDFs, AI categorization, and privacy.

Will you need my bank login?

No. The concept is built around your monthly statement PDF. That means you can get value without linking an account.

How accurate is AI categorization?

Accuracy is high for common merchants, but no system is perfect. Bill is designed to be correctable: your edits become rules for next time.

What data do you extract from the PDF?

Transactions (date, merchant, amount), statement totals, minimum due, due date, and balance fields when present. The demo on this page uses sample data.

Is my statement data private?

The goal is privacy-first processing with clear controls. This page is just a concept landing page, but the product vision includes encryption, minimal retention, and export-only modes.

Can I export data to spreadsheets?

Yes — CSV and spreadsheet-friendly exports are part of the plan.

Be first to try Bill

Join the waitlist to get early access, share a sample statement (optional), and help shape the features you want most.

  • Early access + discounts
  • Influence categories & tips
  • Priority support for your card format

No spam. You’ll only get product updates. This form is a demo and stores nothing beyond your browser.