Free Alternative to Mint for PDF Statement Analysis

Why Users Look Beyond Mint

Mint shut down in 2024, leaving many people searching for alternatives. Apps that sync with your bank work well for some people, but they come with trade-offs:

• Credential sharing: Connecting a bank account means giving a third-party aggregator access
• Sync problems: Connections can break when a bank changes its login or security
• Coverage gaps: Not every bank, credit union, or country is supported

The Trade-Off With Bank Account Linking

Traditional budgeting apps typically require you to:

1. Authorize a connection to your bank through an aggregator such as Plaid or Yodlee
2. Trust that aggregator and the app with ongoing access to your transactions
3. Re-connect when a bank changes how it handles logins

Check your bank's terms and your own comfort level before linking accounts.

Introducing: PDF Bank Statement Analysis

A different approach:

1. Download a statement from your bank
2. Upload it to Bills AI
3. Get AI-assisted categories, insights, and a financial health score
4. No bank login or account linking

How Bills AI Works

1. No Bank Credentials Required

Upload statements instead of connecting your bank account. Bills AI never asks for your bank username or password.

2. Not Tied to a Specific Bank

Because Bills AI reads the statement file rather than connecting to your bank, it is not limited to banks that an aggregator supports. Statements are read from PDF text, images, or spreadsheets, so results vary with the quality and layout of the file. Check the results against your original statement.

3. AI-Assisted Categorization

Bills AI uses OpenAI to extract and categorize transactions from the statement text. AI can make mistakes, so review the categories. Examples of the kind of merchant names it works with:

• "XanhSM" → Transportation (Vietnamese ride-sharing)
• "Traveloka" → Travel (Vietnamese booking platform)
• "SHOPEE*" → Shopping (Southeast Asian e-commerce)

4. What Happens To Your Data

Your statement text is sent to OpenAI for extraction and categorization, and images are sent to OpenAI to read text. Your original file is not stored. We keep the parsed transactions; sensitive fields such as the original transaction description are encrypted at rest with keys held by us. We do not sell your data. You can delete statements or your account at any time. See the privacy policy for details.

5. Free Plan

The free plan analyzes one statement (up to 200 transactions) so you can see how it works. Paid plans start at $5/month; see the pricing page.

Feature Comparison

Feature	Bank-sync apps	Bills AI
Requires bank connection	Usually	No
Real-time transaction sync	Yes	No (you upload statements)
AI categorization	Varies	Yes (OpenAI)
Statement file upload	Varies	Yes

Who Might Prefer Bills AI?

• Users who don't want to share bank credentials
• Users whose bank isn't supported by sync apps
• Manual budgeters who prefer occasional deep analysis over real-time tracking

Getting Started

1. Download your bank statement (last 1-3 months)
2. Sign up for Bills AI
3. Upload your statement
4. Review the categorization, insights, and financial health score

Still Need Real-Time Sync?

If you need automatic bank syncing, apps such as Monarch Money, YNAB, or Copilot offer it. Bills AI works from uploaded statements instead.