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Frugal
👋 Welcome to Frugal!
To get started, upload your bank transaction history below. Your data never leaves your browser - it's processed locally and only your summary budget data is saved.
Step 1
Download a CSV export from your bank — supported: Citi, Amex, Chase, Bank of America, Capital One, Discover, Wells Fargo, Barclays, or any standard CSV
Step 2
Drop it in the upload area below
Step 3
Click Import - your dashboard will populate automatically
CSV Upload
Import Citi or Amex bank statements · Transactions are classified automatically and synced to the budget engine across all tabs.
Upload 12 months of bank statements to populate the Summary Tracking Dashboard and budget engine baselines. Multiple files are merged automatically.
📊
Drop 12-month CSV files here, or click to browse
Supports Citi and Amex formats. All months merged automatically.
Citi, Amex, Chase, BofA, Capital One, Discover, Wells Fargo, BarclaysCiti, Amex, Chase, BofA, Capital One, Discover, Wells Fargo, BarclaysGeneric CSV
⚡ Last 15 Days
Recent Transactions
Upload the last 15 days of transactions to update the current month actuals on the Overview tab. This keeps your spending trackers current without re-uploading full history.
⚡
Drop recent CSV files here, or click to browse
Transactions older than 15 days will be ignored. Supports Citi and Amex formats.
Citi CSVAmex CSV
Parsing…
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0 rows
Loaded Transactions
Upload a CSV file to preview parsed transactions
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No data loaded
Upload a Citi, Amex, Chase, BofA, Capital One, Discover, Wells Fargo, Barclays file above. Transactions will appear here after parsing.
Date
Vendor
Category
Type
Source
Institution
Amount
⚠ Clear All Uploaded Data?
This will permanently remove all 0 uploaded transactions
from local storage and reset the budget engine to demo data.
Baseline transactions are not affected.
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We found your financial profile
Based on your transaction history - review and confirm before we set up your budget.
Monthly Take-Home Income
Average monthly income detected
from your transaction history
Fixed Monthly Costs appear every month, consistent amount
Total Fixed / Month$0
💡 Your spending categories (groceries, dining, etc.) and savings goals are set from your actual spending history. You can fine-tune them anytime from the dashboard.
💼
What is your gross annual income?
This sets your monthly Flex Fund target — your personal financial safety net.
We use 5% of your gross annual income, divided by 12.
$
Monthly Flex Fund contribution
5% of gross annual ÷ 12
$0
$0 / year
🎯
Set your savings goals
Tell us what you're saving toward. You can always adjust these later from the Goals tab.