Trickle

Trickle reads a bank statement you export yourself and points out what's quietly costing you. No bank login, no account, and your statement never leaves your phone.

WHAT IT FINDS
• Subscriptions you forgot you had
• Prices that crept up without you noticing
• Bills that are higher than this time last year
• Charges that went through twice
• Large payments coming up in the next sixty days
• Annual charges that catch you off guard
• Buy-now-pay-later plans and what's still owing (and you can correct a plan if it's wrong)
• Categories that blew out this month

HOW IT WORKS
1. Export a CSV from your bank. Most banks offer one, on their website or in their app. Trickle knows the common layouts and learns any other bank's in one step.
2. Choose the file in Trickle. It reads it in a few seconds, on your phone.
3. Work through the findings. Tap one to see the actual charges behind it, then say Keep it, Ignore, or This isn't right.

Works with dollars, pounds, euros, rand and rupees, and with any bank's CSV export.

Everything that repeats is on the Recurring tab with what it costs you a year. Upcoming shows the next sixty days of bills, predicted from your own history. Set a reminder for anything you don't want to be surprised by. Add the bills Trickle can't see, like rent paid from another account.

PRIVATE BY DESIGN
Trickle never connects to your bank. There is no account to create, no server holding a copy, no analytics. Your statement is read on your phone and stays there. Delete it all from Settings whenever you like.

FREE TO TRY
The three biggest findings, the next fortnight of bills and your pay-later total are free. One payment unlocks the rest for good: every finding, the full sixty days, each pay-later plan. No subscription.

Trickle isn't financial advice. It shows you patterns in your own transactions so you can decide what to do about them.