Track expenses with AI-powered categorization. No bank connections. Your data stays yours.
Your financial data deserves the highest level of protection. We built WonderFunds from the ground up with privacy at its core.
You control what data enters the system. Upload files yourself — no third-party bank APIs, no screen scraping, no shared credentials.
Uploaded files are parsed, transactions extracted, then the original file is permanently deleted. We never store your raw bank statements.
Financial data is encrypted with a DEK/KEK scheme. Even a database breach cannot link financial records to your identity.
Four simple steps to take control of your finances
Upload your bank statement, credit card export, or PayPal report as CSV or PDF.
AI automatically categorizes your transactions using smart merchant matching and learning rules.
Confirm AI suggestions, adjust categories, and add custom tags to your transactions.
Visualize spending with Sankey diagrams, track recurring expenses, and receive AI-powered insights.
Powerful tools to understand and optimize your spending
Transactions are auto-categorized using merchant patterns and user-defined rules, with continuous learning.
Visualize your money flow with interactive Sankey diagrams showing where every euro goes.
Automatically detect subscriptions, rent, and other recurring charges across your accounts.
Create custom categorization rules that are applied before AI, giving you full control.
Import from CSV, PDF bank statements, credit card exports, and PayPal reports.
Generate detailed financial reports and export your data as CSV or PDF anytime.
A clean, intuitive dashboard that puts your finances at your fingertips
€2,847
34%
12
Anonymized, aggregate statistics from the WonderFunds community
1.2M
Transactions Categorized
€412
Avg. Monthly Groceries
Housing
Top Category: Housing
Guides, tips, and best practices for personal finance management
Learn how to set up your first budget, track spending categories, and build healthy financial habits.
How WonderFunds organizes your transactions and how to customize categories for your needs.
A deep dive into our encryption architecture, data handling policies, and privacy-first approach.
Finance tips, insights, and knowledge — fresh from our team
Start free, upgrade when you need more
Perfect for getting started
100 transactions/month
1 financial source
For serious personal finance tracking
2000 transactions/month
Unlimited sources
Full power with API access
Unlimited transactions
Unlimited sources
Everything you need to know about WonderFunds
No. WonderFunds never connects to your bank. You upload your statements (CSV or PDF) manually. This gives you full control over what data enters the system.
Your data is encrypted using a DEK/KEK encryption scheme. Financial records are linked to a pseudonymous token, not your user account. Even in a database breach, your data cannot be linked to your identity.
We support CSV files from most banks and credit card providers, as well as PDF bank statements (Pro plan and above). PayPal exports are also supported.
Our AI analyzes merchant names and transaction patterns to automatically assign categories. It learns from your corrections and custom rules, becoming more accurate over time.
Yes! The free plan includes 100 transactions per month, 1 financial source, and CSV export. Upgrade to Pro or Business for unlimited sources, PDF parsing, AI insights, and more.
Yes. We are fully GDPR compliant. You can export or delete all your data at any time. We do not sell or share your data with third parties.
Absolutely. You can delete your account and all associated data at any time from your settings. Deletion is permanent and irreversible.
WonderFunds is available in English and German, with full localization of all features, categories, and reports.
No bank connections. No data selling. Just you and your money.