See where your money goes
Import your bank history in one click. AI categorizes spending, tracks subscriptions, and tells you exactly how much you can still spend this month.
- Free CSV import & charts
- mBank & PKO ready
- Plus from 10 PLN · Premium 45 PLN
2 min
Average setup time
8
Smart spending categories
24/7
AI coach on Premium
Works with exports from
Everything you need to stay in control
Simple tools that actually fit how you manage money - no manual typing, no spreadsheet hell.
One-click CSV import
Drop your bank export. We detect currency, dedupe rows, and categorize instantly with rules.
AI that learns you
Premium AI reads merchant names and fixes categories. The more you correct, the smarter it gets.
Month, year & custom periods
Plus: switch between this month, last 90 days, or any range — dashboard and exports follow.
Safe to spend
Set a monthly limit and see how much you can still spend today without blowing the budget.
Subscription radar
Plus: spot recurring charges, flag stale payments, and see renewal estimates.
Ask your finance coach
Premium: ask “Can I afford this?” or “Why did Food spike?” - answers use your real data.
Smart alerts
Premium: get notified when you exceed a category limit or a large charge hits your account.
Export anytime
Download filtered transactions as CSV for your accountant or tax prep.
Up and running in 3 steps
Export & upload CSV
Download history from mBank, PKO, or your bank. Upload once - we handle the rest.
Review & set limits
Fix any categories, set monthly spending cap and per-category budgets in Settings.
Act on insights
See trends, safe-to-spend, AI reports, and alerts — then actually change your habits.
Start free. Upgrade when you need more.
Plus adds deep analytics without AI. Premium adds the full coach, reports, and auto-categorization.
Advanced analytics without AI
Forecasts, trends, PDF reports, and subscription tracking — everything you need to understand spending, without the AI coach.
About ¼ of Premium. No AI features.
- Extended periods & spending trends
- Month-end forecast & merchant breakdown
- Subscription radar & PDF export
- Actionable recommendations from your data
Full AI money coach
Everything in Plus, plus AI categorization, reports, coach Q&A, and smart alerts.
Free plan included forever. Upgrade when you want the full AI stack.
- Full AI auto-categorization on import
- Period AI reports with merchant-level detail
- Month-end spending forecast
- Unlimited finance Q&A coach
- Subscription audit with savings tips
- Proactive alerts & recommendations
Free forever: CSV import, charts, safe-to-spend, and rule-based tips. No card required.
Free, Plus & Premium
| Feature | Free | Plus | Premium |
|---|---|---|---|
| Bank CSV import | |||
| Overview & charts | |||
| Month / year / custom periods | — | ||
| Safe to spend & monthly cap | |||
| CSV & PDF export | |||
| Subscription tracking dashboard | — | ||
| Month-end forecast | — | ||
| AI categorization | — | — | |
| AI spending reports | — | — | |
| Finance coach Q&A | — | — | |
| Smart alerts | — | — |
Common questions
Do you connect to my bank?+
No. You export a CSV file from your bank (mBank, PKO, ING, etc.) and upload it to SpendBeacon. We never see your bank password.
Is the free plan enough to start?+
Yes. You get CSV import, spending charts, a monthly overview, and a safe-to-spend calculator — no credit card required. That’s enough to see where your money goes.
What's the difference between Plus and Premium?+
Plus (10 PLN/month) is for deeper analytics: longer date ranges, trends, forecasts, subscription tracking, and PDF export — without AI. Premium (45 PLN/month) includes everything in Plus plus AI auto-categorization, smart reports, and a finance coach you can ask questions.
Do I have to pay right away?+
No. Create a free account, upload your bank CSV, and use the app first. Upgrade to Plus or Premium only when you want those extras.
Can I cancel anytime?+
Yes. Cancel in Settings → Billing. Your imported data stays on the free plan; paid features stop when the billing period ends.