Upload your bank or credit card statement and get an AI-powered breakdown of where your money goes, with actionable savings suggestions tailored to you.
Analyze My Spending→No account required. Your data never leaves your browser.
How It Works
From CSV to clarity in under a minute.
Export Your CSV
Download your bank or credit card statement as a CSV file. Works with exports from most major banks and credit cards.
Upload & Analyze
Drop your CSV into Cost Comet. Our AI reads every transaction, groups them into categories, and projects your annual spending automatically.
Start Saving
Get personalized, location-aware suggestions on where to cut back. See exactly how small changes add up to big annual savings.
What You'll Discover
More than a pie chart — real intelligence about your financial habits.
Smart Categorization
Automatically groups hundreds of transactions into clear spending categories — groceries, dining, subscriptions, and more.
Annual Projections
Stop thinking monthly. See the true annual cost of every habit so you know exactly what your spending patterns are worth.
Location-Aware Tips
Enter your city and get savings suggestions tailored to local alternatives, services, and pricing in your area.
See What You'll Get
A real example of what our reports look like — simple, clear, and easy to follow.
Sample ReportTotal Spend
$4,382
Transactions
187
Monthly Avg
$1,461
Annual Projection
$17,528
Spending by Category
Key Insights
- →Dining and groceries together account for 50% of your total spending — well above the recommended 35% for food-related expenses.
- →Your subscription spend has grown 22% over the last 90 days, now totalling $789/mo across 11 active services.
- →You have 4 recurring charges on weekends that suggest lifestyle spending patterns — these are your highest-risk categories for overspending.
- →If current trends continue, your annual spend will reach $17,528 — $3,200 more than last year.
- →Transportation costs dropped 12% this month, likely due to reduced commuting — a good opportunity to lock in lower habits going forward.
Savings Suggestions
You're spending $964/mo on restaurants — 3× the national average. Cooking at home 4 nights a week could save over $2,100 annually without sacrificing quality.
You're subscribed to 6 streaming platforms totalling $89/mo. Based on usage patterns, consolidating to 2-3 services would eliminate redundancy and cut this cost in half.
Your $1,227/mo grocery spend is your largest category. A 3% cashback card on groceries would earn back $441 this year on purchases you're already making.
You're averaging 22 rideshare trips/mo at $29 each. A monthly transit pass at $98 covers the same commute routes and saves you over $500 annually.
You're paying $187/mo for internet and mobile — 34% above the average for comparable plans. Calling your provider to negotiate or switching to a competitor typically yields $40-60/mo in savings.
Entertainment spending has increased 40% over the past 3 months, now at $438/mo. Setting a $250 cap and tracking in real time could reclaim over $2,200 this year without eliminating the category.
Ready to take control?
Upload your CSV and see results in seconds.
Analyze My Spending