Drop in a bank export. Find the quiet recurring charges draining you. None of it leaves your device.
The page sets a Content-Security-Policy header that blocks all outbound network connections after load. No upload, no analytics, no telemetry, no cloud — there is nowhere for your transactions to go.
Your CSV is read locally with a tiny JavaScript parser bundled into this page. Categorizing, the recurring-charge detector, all the math — it runs in this tab using a port of the open-source Python helper the book describes. Your editable rules and last-hunt comparison are saved in your browser's localStorage, also strictly local.
Want proof? Open the tool, turn off your wifi, then drop in a file. It all still works.
or click anywhere in this box to choose a file
The recurring-charge detector needs to see a charge at least twice, so a single month barely flags anything. For your first hunt, export ≥ 90 days. After that, a quick monthly pass keeps you honest, and another 90-day sweep each quarter catches what crept back in.
Your file isn't uploaded. It's read locally, parsed in this tab, and categorized with rules you can edit. Nothing is sent anywhere — that's the whole point of doing this in the browser.
No problem — just tell us which column is which. We found these columns in your file:
Leave this unchecked if a purchase shows as a positive number in your export. Check it if purchases are negative and deposits are positive.
This is a tool. Auto-categorization guesses from the merchant name and will get some wrong — that's why the review panel lets you fix them. The recurring detector flags look-alike charges; confirm before you cancel anything.
If a number here doesn't match your actual bank statement, trust the bank, not this tool. The math mirrors the Ledger's own leak-hunt helper and there are tests pinning it to known answers, but software is software.
Splinched is not financial advice. I'm not a CFP, an accountant, or a licensed anything. This is a tool to help you see where the money goes — not a substitute for talking to someone qualified.
Heads up: this hunt lives in your tab only. Close it and the transactions are gone — that's the privacy promise. Your editable rules and the comparison baseline persist in this browser; your raw transactions never do.