See where your money actually goes.
Upload a CSV from your bank, let Smetko categorize everything automatically, and share a clear view of the household budget — no bank access, no spreadsheets.
- No bank access
- CSV from any bank
- Delete anytime
- Rent26%
- Utilities21%
- Groceries18%
- Restaurants12%
Everything you actually need.
Tools to understand and manage your family's finances — none of the noise.
Spending dashboard
Income, expenses, and balance at a glance — with interactive charts and monthly trends.
Smart categories
Transactions are categorized automatically via merchant recognition and keyword matching.
Recognition rules
Define your own rules for auto-categorization — your banks, your merchants, your way.
Recurring charges
Spot subscriptions and recurring payments. See what they cost annually — before they renew.
Household
Share the budget with family members and see who's spending what — together.
CSV from any bank
We work with plain CSV files. No APIs, no linking — your data stays yours.
Ready in three steps.
From zero to a clear view of your spending in under five minutes.
Sign in
Create an account with Google in seconds — no card, no verification.
Upload CSV
Export a statement from your bank and drop it in. We process it in seconds.
Track
See where your money goes, set budgets, and watch how you're doing.
Your data stays yours.
Smetko doesn't connect to banks and doesn't store passwords. We only work with the CSV files you upload — and you can delete everything with one click.
- No bank access
We don't ask for passwords. There's no API connection to banking institutions.
- CSV files only
You decide when and what to upload. Files are processed and encrypted at rest.
- Delete anytime
One button removes your account and all data — permanently.
Simple and transparent.
No hidden fees. Free while we're in beta.
free — for as long as we're in beta
- Unlimited CSV imports
- Automatic categorization
- Household with up to 5 members
- Dashboard, charts, and trends
- Recognition rules
Frequently asked questions.
Do you connect directly to my bank?
No. Smetko works entirely with CSV files that you upload manually. There's no connection to banking APIs and no access to your bank accounts.
What data do you store?
Only the transactions from your uploaded CSV files and the categorization rules you set up. Everything is encrypted and you can delete it at any time.
Can I export my data?
Yes, anytime. Download everything as CSV or JSON from your settings.
Is it really free?
Yes — completely free while we're in beta. We'll announce clearly if/when we introduce paid plans.
Can more than one person use an account?
Yes. Create a household and invite up to 5 people. Each uploads their own files; you all see the combined view.
See where your money
actually goes.
Five minutes, one CSV, one clear picture.