Avyth MoneyWhat a month really costs.
Drop in a few months of CSV or PDF bank statements. They are read against each other for a typical month's spend, what recurs, and what fees add up to. The files never leave your browser.
$2,863.47
- Jun 2026$2,713.60
- Jul 2026$3,154.97
- Aug 2026$2,863.47the middle of the three: the typical month
In, Net and fees for the same months
| Month | In | Out | Net |
|---|---|---|---|
| Jun 2026 | $5,680.00 | $2,713.60 | $2,346.40 |
| Jul 2026 | $5,680.00 | $3,154.97 | $1,875.03 |
| Aug 2026 | $5,680.00 | $2,863.47 | $2,216.53 |
Out is money spent; In is money received. The $2,930.00 the sample moved between its own accounts is in neither. Net is everything in minus everything out with those transfers included, which is why it is less than In minus Out.
- Fees and interest
- $90.60
- Fee charges
- 5
- Files read
- 2
12 possible recurring payments, an estimated $24,928.80 a year. See them
Open it in the tool →Your statements
Export the CSV (usually under Activity, then Download) or the monthly PDF from your bank's site. Drop several at once, checking and cards together.
Read in this browser and never uploaded.
Possible recurring payments
The same merchant, paid on a steady rhythm: rent, utilities, installments and subscriptions alike. Each row opens to the charges it was read from. Not really recurring? Leave it out and the estimate follows.
OAKWOOD PROPERTY MGMT$1,450.003× , thin· every 31 days$17,400.00 a year
- Charges
- 3
- Interval
- 31 days
- Amount
- same each time (within 0%)
- 2026-06-02OAKWOOD PROPERTY MGMT RENT$1,450.00
- 2026-07-02OAKWOOD PROPERTY MGMT RENT$1,450.00
- 2026-08-02OAKWOOD PROPERTY MGMT RENT$1,450.00
Only three charges; another month would help confirm the pattern.
PECO ENERGY ELECTRIC$161.403× , thin, ±12%· every 31 days$1,936.80 a year
- Charges
- 3
- Interval
- 31 days
- Amount
- varies up to 12%
- 2026-06-03PECO ENERGY ELECTRIC 06/26$142.18
- 2026-07-03PECO ENERGY ELECTRIC 07/26$161.40
- 2026-08-03PECO ENERGY ELECTRIC 08/26$178.05
Only three charges; another month would help confirm the pattern.
AFFIRM$118.323× , thin· every 31 days$1,419.84 a year
- Charges
- 3
- Interval
- 31 days
- Amount
- same each time (within 0%)
- 2026-06-12AFFIRM PAYMENT 55XJ2$118.32
- 2026-07-12AFFIRM PAYMENT 55XJ2$118.32
- 2026-08-12AFFIRM PAYMENT 55XJ2$118.32
Only three charges; another month would help confirm the pattern.
Show 3 more
VERIZON WIRELESS$95.003× , thin· every 31 days$1,140.00 a year
- Charges
- 3
- Interval
- 31 days
- Amount
- same each time (within 0%)
- 2026-06-08VERIZON WIRELESS PMT$95.00
- 2026-07-08VERIZON WIRELESS PMT$95.00
- 2026-08-08VERIZON WIRELESS PMT$95.00
Only three charges; another month would help confirm the pattern.
COMCAST XFINITY INTERNET$79.993× , thin· every 31 days$959.88 a year
- Charges
- 3
- Interval
- 31 days
- Amount
- same each time (within 0%)
- 2026-06-25COMCAST XFINITY INTERNET$79.99
- 2026-07-25COMCAST XFINITY INTERNET$79.99
- 2026-08-25COMCAST XFINITY INTERNET$79.99
Only three charges; another month would help confirm the pattern.
SHELL OIL WILLOW$52.103× , thin, ±6%· every 31 days$625.20 a year
- Charges
- 3
- Interval
- 31 days
- Amount
- varies up to 6%
- 2026-06-18SHELL OIL 57442 WILLOW GROVE$52.10
- 2026-07-17SHELL OIL 57442 WILLOW GROVE$49.80
- 2026-08-18SHELL OIL 57442 WILLOW GROVE$55.34
Only three charges; another month would help confirm the pattern.
12 possible recurring payments in the sample; the tool lists them all. Each is its middle charge twelve times a year at a monthly rhythm, scaled by the gap otherwise.
$24,928.80
How this was read
A merchant counts when it is charged three or more times, 25 to 95 days apart, each charge within 20% of the middle one. A weekly grocery run fails the gap test. The yearly figure is an estimate at the observed rhythm, not a bill: what these merchants would take in twelve months if nothing changed.
- sample-checking-2026.csv: 59 rows read, 2026-06-01 to 2026-08-30, nothing skipped.
- sample-card-2026.csv: 21 rows read, 2026-06-04 to 2026-08-29, nothing skipped.
Free for 2 CSVs, then $5 a month.
The free tier is the whole read. The subscription lifts the file limit and reads the monthly PDF statements.
$0
- The whole read (typical month, recurring charges, categories, merchants, fees) for up to 2 CSV statements at a time
- Everything runs in your browser; nothing is uploaded, ever
- A per-file Flip control when a bank's export reads backwards
$5
- Any number of statements at once: a year of checking and every card together
- The monthly PDF statements, not just CSV
- Sign in and it unlocks, or paste your key once per device. Cancel from your account.
Questions
Where do I get my statements?
In your bank or card's website, open Statements or Activity. A CSV download (sometimes 'Excel' or 'spreadsheet') gives the cleanest read and usually covers 12–24 months. The monthly PDF statements work too: each is read from its printed lines, with the in/out sections and the statement period doing the work. Scanned PDFs (no text layer) can't be read.
Do you see my statements?
No. Files are read in your browser's memory and the analysis runs there too. Close the tab and it's gone. There is no upload code in this product, and the privacy page lists the only things that ever reach us.
My bank's format is unusual. Will it work?
We sniff rather than assume: for a CSV, the date, description, and either a signed Amount or a Debit/Credit pair, with US, day-first or ISO dates; for a PDF, the transaction lines, the section headings that say in or out, and the statement period for the year. The page tells you exactly how each file was read, and a per-file Flip control fixes a wrong guess in one click. If yours isn't read right, email support@avyth.com with the bank's name (never the file) and we'll add it.
How does it know what recurs?
By rhythm: the same merchant charged three or more times, roughly monthly to quarterly, for roughly the same amount. That catches rent, utilities and installments as well as subscriptions, things no keyword list knows about, and leaves your weekly grocery run out. Every row opens to the charges it was read from, and you can mark one as not recurring.
What does the subscription add?
The free tier reads two CSV statements at a time, enough to see the read on your own money. $5 a month reads any number at once and the monthly PDF statements; Everything ($24) unlocks every paid Avyth tool. Sign in on avyth.com and it unlocks here, or paste the key we email once per device.
Is this financial advice?
No. It's arithmetic over your own statements, shown plainly. What you do with it is yours.
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