See Your Money Clearly Without Connecting Your Bank
Upload your bank CSV file and get a simple AI-powered money report that explains your income, spending, recurring charges, and money leaks in plain English.
Or try the demo data with no upload required.
Why CSV
Why We Use CSV Uploads Instead of Bank Connections
Most finance apps want you to connect your bank account. That may sound easy, but it can create problems. My Money Picture keeps things simple — you upload a CSV file from your bank, and the app turns it into a clear money report.
CSV Upload vs Bank Connection
| Topic | CSV Upload | Bank Connection |
|---|---|---|
| Bank password needed | No | Often yes, through a third-party connection flow |
| Cost to app | Lower | Higher |
| Report price | Easier to keep affordable | Usually more expensive |
| Connection failures | No live connection to break | Connections can fail or disconnect |
| User control | You choose exactly what to upload | Data access depends on the provider and bank |
| Best for one-time reports | Yes | Better for ongoing tracking |
How It Works
From upload to insight in 4 steps
Download your CSV file from your bank
Upload it to My Money Picture
Review your simple money preview
Unlock your full AI money report for $19.99
Your Report
What Your Report Shows
No jargon. No surprises. Just a clear picture of your money.
Not just a summary — a plan that pays for itself
Your $19.99 report turns your numbers into clear, dollar-based steps you can act on this week.
Money Health Score
A single 0–100 score with a plain-English breakdown of your habits.
Yearly savings found
We put a dollar figure on what you could recover over the next year.
Subscription audit
Every possible subscription, totaled by month and by year.
Suggested 50/30/20 budget
A starting budget built from your real income, needs, and wants.
What-if simulator
Slide to see what trimming a category would save you.
Month-over-month trends
See which categories went up or down between months.
Top merchants
Where your money went by name, not just by category.
Downloadable PDF
Save or print a clean, branded copy of your full report.
Who This Is For
- People who want to understand their spending
- People who do not want to connect a bank account
- People who want a simple financial checkup
- People trying to reduce waste
- People who want to start budgeting
- People who need a clear money picture before making changes
What This Is Not
- This is not financial advice
- This is not a bank
- This is not a credit repair service
- This does not move your money
- This does not connect to your bank
- This does not guarantee financial results
- This is a simple report that helps you understand your financial activity
You Stay in Control
My Money Picture does not ask for your bank login. You upload a file, review your results, and decide if you want the full report. This keeps the experience simple and helps keep the report affordable.
- We do not need your bank password.
- You control what you upload.
- You can remove sensitive information before uploading.
- This app does not move money.
- This app does not connect to your bank.
- Your report is based only on the file you upload.
Built for Everyday People
You do not need to know finance terms. You do not need to understand spreadsheets. You upload your file, and My Money Picture explains your money in plain language.
Free commercial license — sell the reports to your clients
Every report you create with My Money Picture comes with a free commercial license. You may share, deliver, or sell the reports you generate to your own clients, customers, or community — no royalties and no extra fee. Coaches, bookkeepers, and consultants can use My Money Picture as a done-for-you money report service.
The license covers the reports you produce — not resale of the My Money Picture app or platform itself.
FAQ
Frequently Asked Questions
Do I have to connect my bank account?+
No. My Money Picture is built around file uploads. You stay in control.
What file should I upload?+
A CSV transaction export from your bank or credit card account works best.
Why is CSV better for this app?+
CSV files help keep the app simple, private, and affordable.
Can I remove sensitive information before uploading?+
Yes. You can remove details like account numbers before uploading. The app mainly needs dates, descriptions, and amounts.
Will this work with every bank?+
It should work with most banks that allow CSV transaction downloads. Some files may need column matching.
Is this financial advice?+
No. The report gives educational insights based on your uploaded data. It does not replace professional financial advice.
What do I get after I pay?+
You unlock the full AI money report: your Money Health Score, a suggested 50/30/20 budget, an annualized subscription audit, month-over-month trends, a what-if savings simulator, money leaks with dollar estimates, next steps, and a downloadable PDF.
Do I need finance knowledge?+
No. The app explains everything in plain language.
Can I sell these reports to my clients?+
Yes. Every report you create comes with a free commercial license — you can share, deliver, or sell the reports you generate to your own clients or community with no royalties or extra fee. The license covers the reports you produce, not resale of the app itself.
Ready to see your money picture?
Upload a CSV file from your bank or try the demo data. Your free preview is ready in seconds.