Your Finances. Crystal Clear.
Your Control.
Upload a bank statement. Get sorted expenses in seconds. No bank connection. No tracking. Just clarity.
Everything You Need
Powerful tools to understand and optimize your spending
AI Categorization
Transactions are auto-categorized using merchant patterns and user-defined rules, with continuous learning.
Sankey Diagrams
Visualize your money flow with interactive Sankey diagrams showing where every euro goes.
Recurring Detection
Automatically detect subscriptions, rent, and other recurring charges across your accounts.
Smart Rules
Create custom categorization rules that are applied before AI, giving you full control.
Multi-Format Upload
Import from CSV, PDF bank statements, credit card exports, and PayPal reports.
Export & Reports
Generate detailed financial reports and export your data as CSV or PDF anytime.
Your Financial Command Center
A clean, intuitive dashboard that puts your finances at your fingertips
€0
0%
0
How It Works
Four simple steps to take control of your finances
Upload
Upload your bank statement, credit card export, or PayPal report as CSV or PDF.
Categorize
AI automatically categorizes your transactions using smart merchant matching and learning rules.
Review
Confirm AI suggestions, adjust categories, and add custom tags to your transactions.
Get Insights
Visualize spending with Sankey diagrams, track recurring expenses, and receive AI-powered insights.
What Our Users Say
Real people, real results
Sarah M.
Freelance Designer, Berlin
“I found three subscriptions I forgot about. That alone saved me over 40 euros a month.”
Thomas K.
Software Engineer, Munich
“The Sankey diagram showed me 38% of my income goes to fixed costs. I had no idea it was that high.”
Lisa W.
Student, Hamburg
“I upload my CSV once a month. Five minutes and I know exactly where my money went.”
Sarah M.
Freelance Designer, Berlin
“I found three subscriptions I forgot about. That alone saved me over 40 euros a month.”
Thomas K.
Software Engineer, Munich
“The Sankey diagram showed me 38% of my income goes to fixed costs. I had no idea it was that high.”
Lisa W.
Student, Hamburg
“I upload my CSV once a month. Five minutes and I know exactly where my money went.”
Sarah M.
Freelance Designer, Berlin
“I found three subscriptions I forgot about. That alone saved me over 40 euros a month.”
Thomas K.
Software Engineer, Munich
“The Sankey diagram showed me 38% of my income goes to fixed costs. I had no idea it was that high.”
Lisa W.
Student, Hamburg
“I upload my CSV once a month. Five minutes and I know exactly where my money went.”
Sarah M.
Freelance Designer, Berlin
“I found three subscriptions I forgot about. That alone saved me over 40 euros a month.”
Thomas K.
Software Engineer, Munich
“The Sankey diagram showed me 38% of my income goes to fixed costs. I had no idea it was that high.”
Lisa W.
Student, Hamburg
“I upload my CSV once a month. Five minutes and I know exactly where my money went.”
Marco R.
Product Manager, Vienna
“No bank connection needed. That was the reason I signed up. My bank data stays on my computer.”
Julia H.
Teacher, Cologne
“The AI categorization is surprisingly accurate. Maybe 2 out of 50 transactions need a manual fix.”
Andreas B.
Accountant, Frankfurt
“I recommended it to three clients already. Simple, private, does what it promises.”
Marco R.
Product Manager, Vienna
“No bank connection needed. That was the reason I signed up. My bank data stays on my computer.”
Julia H.
Teacher, Cologne
“The AI categorization is surprisingly accurate. Maybe 2 out of 50 transactions need a manual fix.”
Andreas B.
Accountant, Frankfurt
“I recommended it to three clients already. Simple, private, does what it promises.”
Marco R.
Product Manager, Vienna
“No bank connection needed. That was the reason I signed up. My bank data stays on my computer.”
Julia H.
Teacher, Cologne
“The AI categorization is surprisingly accurate. Maybe 2 out of 50 transactions need a manual fix.”
Andreas B.
Accountant, Frankfurt
“I recommended it to three clients already. Simple, private, does what it promises.”
Marco R.
Product Manager, Vienna
“No bank connection needed. That was the reason I signed up. My bank data stays on my computer.”
Julia H.
Teacher, Cologne
“The AI categorization is surprisingly accurate. Maybe 2 out of 50 transactions need a manual fix.”
Andreas B.
Accountant, Frankfurt
“I recommended it to three clients already. Simple, private, does what it promises.”
See How It Works
Try the full onboarding experience with sample data. No sign-up required.
Welcome
Join Thousands Tracking Their Finances
Anonymized, aggregate statistics from the WonderFunds community
0K+
Transactions Categorized
€0
Avg. Monthly Groceries
Housing
Top Category: Housing
Simple, Transparent Pricing
Start free, upgrade when you need more
Free
Perfect for getting started
100 transactions/month
2 financial source
- PDF Statement Parsing
- AI-Powered Insights
- Sankey Diagrams
- CSV Export
- PDF Report Export
- Custom Categorization Rules
- Recurring Detection
Pro
For serious personal finance tracking
250 transactions/month
10 financial source
- PDF Statement Parsing
- AI-Powered Insights
- Sankey Diagrams
- CSV Export
- PDF Report Export
- Custom Categorization Rules
- Recurring Detection
Expert
For power users who track everything
1000 transactions/month
50 financial source
- PDF Statement Parsing
- AI-Powered Insights
- Sankey Diagrams
- CSV Export
- PDF Report Export
- Custom Categorization Rules
- Recurring Detection
Frequently Asked Questions
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, 2 financial sources, and CSV export. Upgrade to Pro for PDF parsing, Sankey diagrams, recurring detection, and more. Expert adds AI-powered insights and custom categorization rules. Both paid plans include a 7-day free trial.
The Spotlight Edition is a limited promotion for new users. You get Pro-level features (250 transactions/month, 10 financial sources, Sankey diagrams, PDF parsing, recurring detection) completely free for 90 days. Only 20 spots are available. After 90 days, your account continues on the Free plan. No credit card is needed.
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.
Take Control of Your Finances Today
No bank connections. No data selling. Just you and your money.