Spendif.ai

Offline-first personal finance ledger that unifies bank exports with hybrid AI categorization.

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Spendif.ai is an offline-first personal finance ledger that aggregates exports from multiple bank and card accounts into one deduplicated chronological ledger, using a hybrid deterministic-plus-LLM pipeline that runs locally by default and mandatorily redacts PII before any optional remote AI call. It suits individuals juggling several bank and card accounts who want unified categorization without routinely sending financial data to the cloud. It is currently in alpha.

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