Mint is gone, and most of its replacements recycle the same formula: link your bank accounts, pay around $100 a year, and start your history from scratch. If the connection breaks or the app shuts down, your data goes with it. Mint users know exactly how that feels.
Spentio takes the opposite approach. You upload your bank statement, the AI reads it and categorizes everything automatically. No bank login, no typing, and it works with statements from any bank in the world, not just the ones an aggregator supports.
Spentio: upload your statement, done
Instead of connecting to your bank, Spentio's AI reads your statement, whether it's a PDF, a CSV, or a photo from your banking app. It works with any bank worldwide, and you never hand over your credentials. Categories, subscriptions, and budgets are detected automatically. Your data lives on Swiss servers under Swiss and EU privacy law, some of the strictest in the world. The free plan reads your statements in full.
What Spentio does that the others don't
| App | Reads PDF/photo statements | Years of history on day one | Any bank worldwide | Free plan |
|---|---|---|---|---|
| Spentio | ✅ | ✅ | ✅ | ✅ |
| Monarch | ❌ | ❌ | ❌ | ❌ |
| YNAB | ❌ | ❌ | ✅ | ❌ |
| Rocket Money | ❌ | ❌ | ❌ | ✅ |
| Copilot | ❌ | ❌ | ❌ | ❌ |
| PocketGuard | ❌ | ❌ | ❌ | ❌ |
The bank-sync crowd at a glance
Monarch: The polished heir to Mint. But there's no free plan ($99 a year or $14.99 a month), and a new connection only pulls whatever short history your bank shares. Anything older means building CSV files by hand, account by account.
YNAB: A budgeting method with a loyal following, and the only app here that accepts files from any bank. But those files have to be clean CSV or OFX exports that you fetch and map yourself. It can't read a PDF or a photo, nothing is categorized for you, and there's no free plan.
Rocket Money: Good free tier for seeing your accounts in one place. But its headline feature, canceling subscriptions for you, is locked behind Premium, and bank sync only works with US banks.
Copilot: Probably the prettiest of the bunch ($95 a year or $13 a month). But it's Apple-only, there's no Android app, and it's built around US bank connections.
PocketGuard: Boils your finances down to one number: what's left in your pocket. But recent reviews describe the free version as little more than a trial, and its bank connections have documented problems with several institutions.
Same pattern every time: they all depend on a bank connection they don't control, and the full product always costs money.
Your history: the part nobody gives back
This is the lesson Mint taught everyone: when a sync app dies or drops your bank, years of financial history disappear. Statements are different. They're files you own, sitting in your online banking, going back years.
Spentio reads exactly those files. Upload last year's statements, or five years' worth, and your history is complete on day one. No sync app on this list can do that: they only backfill the few weeks or months the bank connection happens to provide.
Privacy: no bank login, ever
Apps with bank sync hold ongoing access to your account, like a master key. Spentio doesn't. You decide which statement to upload, and there's never a direct connection to your bank.
Bottom line
The sync crowd asks for your bank login, charges for the full product, and starts your history from scratch. Spentio does the work from the statements you already own: upload, sorted, done. Your data stays in Switzerland. Start free.