# Personal finance without a spreadsheet habit

> Export the bank statement once a month, ask questions the rest of the time. A weekly spend report writes itself and runs in your browser.

Canonical: https://memtomo.com/en/use-cases/personal-finance/

The budgeting apps want your bank login. The spreadsheet wants an hour every Sunday. Neither survives a busy month. This does, because the only recurring chore is a file you drop into a chat.

## Once a month

Export the statement and drop it into the chat in the web app. The first time creates the table `expenses`; every month after appends.

## Whenever you wonder

Ask the question you would otherwise not bother to compute — from the web app or from Telegram.

## Once, ever

“Make me a weekly spend report by category.” The assistant writes an automation; you pin it into a note called *Money*. Open the automation and it recalculates on the latest rows — in your browser, with no server reading your finances.

## What it replaces

The budgeting app you stopped opening, the spreadsheet with the broken pivot, and the guilt about both.