No. My Money Picture is built around file uploads. You stay in control.

A CSV transaction export from your bank or credit card account works best.

CSV files help keep the app simple, private, and affordable.

Each report covers up to 3 years of transactions. If your file reaches further back, we automatically use the most recent 3 years and tell you exactly how many older transactions were set aside — nothing in your file is changed. Most people get the clearest picture from 3 to 12 months, which is long enough to reveal recurring charges and month-over-month trends.

Yes. Export just that date range from your bank and upload it on its own. Each upload is analysed independently, so you can run as many 3-year windows as you like.

Your file is processed in your own browser and never sent to a bank. Keeping each report to 3 years means it stays fast, stays private, and can be saved reliably on your device. It is also far more history than most people need to spot recurring charges and spending patterns.

Nowhere. Your CSV is read by your own browser, straight from your computer, and the whole report is calculated on your device. The file is never uploaded to us. You can verify it yourself: press F12, open the Network tab, and upload your file — you will not see it sent anywhere.

No. There is no account to create and no database of customer transactions. Your report is saved only in your own browser, on your own device, and you can delete it in one click from the Privacy page.

No. We never receive them, so there is nothing for anyone here to look at — not staff, not support.

There is nothing of yours to take. We hold no bank logins, no card numbers, and no transaction data. A breach of our systems would not expose your financial information, because we never collected it.

Only if you switch it on. AI answers are off by default, and while they are off nothing leaves your device — the report answers your questions using an engine that runs in your browser. If you turn AI answers on, each question sends a short summary (totals, category percentages, and merchant names) so the assistant can answer accurately. Your transaction list, balances, and file are never sent, and your questions are not used to train any AI model.

You are covered twice over. First, the report only ever uses the date, description, and amount columns — any other column, like an account number or balance, is ignored and never saved to your device. Second, if a number is buried inside the transaction description itself, anything shaped like a card number, account or reference number, Social Security number, email address, or phone number is masked before your report is saved, so ACCT 000123456789 becomes ACCT ••••6789. Ordinary store numbers are left alone. Note that no tool can detect a person's name written into a payment memo, which is why the real protection is that your file is never uploaded at all.

Use the delete button in the site footer or on the Privacy page. It removes everything this app has stored in your browser, immediately. Download your PDF first, because a deleted report cannot be recovered without uploading again.

Your report is saved in that browser, so download your PDF and then use the delete button when you are finished. On a shared machine that is the safest way to work.

Yes. You can remove details like account numbers before uploading. The app mainly needs dates, descriptions, and amounts.

It should work with most banks that allow CSV transaction downloads. Some files may need column matching.

No. The report gives educational insights based on your uploaded data. It does not replace professional financial advice.

You unlock the full AI money report: your Money Health Score, a suggested 50/30/20 budget, an annualized subscription audit, month-over-month trends, a what-if savings simulator, money leaks with dollar estimates, next steps, and a downloadable PDF.

No. The app explains everything in plain language.

Yes. Every report you create comes with a free commercial license — you can share, deliver, or sell the reports you generate to your own clients or community with no royalties or extra fee. The license covers the reports you produce, not resale of the app itself.

Because your report unlocks and is available to download the moment you pay, purchases are final and non-refundable. If something goes wrong on our end — the report didn't unlock, or you hit a technical problem — contact us and we'll make it right.