BankChat – Making Personal Finance as Simple as a Chat

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

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.

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:

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!