BankChat – Making Personal Finance as Simple as a Chat

Pitch
1

Ever wondered where your money really goes? Or why those weekend coffee runs seem to eat up your budget? Meet BankChat — the AI-powered personal finance tool that turns your messy bank statement into clear, instant insights.

Just upload your statement and ask:

  • “How much did I spend on groceries last month?”
  • “What’s my biggest recurring expense?”
  • “Am I saving enough each month?”

Why We Built It

We believe managing money shouldn’t feel like a second job. Our mission is to demystify personal finance and create a true agentic flow for users — moving them from financial confusion to clarity, one question at a time.
We’ve onboarded our first 6 users — small, but real people using BankChat to set goals, track spending, and find financial clarity. They’re helping us validate our core idea: people want a more intuitive, question-first way to manage their money.

Features WIP

  • Goal Setting: Budget for big dreams like an Iceland cycling trip or that wine collection you’ve always wanted.
  • Couples and Family Budgeting: Share goals and expenses without the awkward Excel sheets.
  • Custom Features: Open to adding tailored features for CA firms, small businesses, or even financial planners.

:point_right: Check us out: BankChat.io

1 Like
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I think it is safe to say that this solution, i.e., uploading statements, is old-fashioned and can be an add-on. Account Aggregates are an ongoing solution, as far as I know.

3

AA API integration is definitely on our roadmap. The “uploading statements” part is more of a temporary starting point for early users. The real value lies in conversational insights and question-first financial analysis, regardless of where the data comes from — be it 3rd party FIUs, service providers, or direct AA feeds.

Appreciate the feedback! :blush:

4

hey, I can see you are also building something similar.
if you’re interested, we’re planning to open up our APIs for natural language financial insights and LLM-powered analysis. Could be a nice add-on if you’re building around AA data or looking for a more conversational layer for your users.

Happy to share a bit more if you’re open to it. Just let me know!

5

hey @Pai , @vsr003 Thanks for the early support and feedback. It’s been amazing to see people getting excited about BankChat. :raised_hands:

I’m actively refining the product and exploring some big next steps like AA integration and custom features for CAs and financial advisors. If you have any ideas or would like to connect directly, feel free to reach out on linkedin (https://www.linkedin.com/in/shubhra-srivastava-17689a19/)

1 Like