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Stated is an AI-powered personal finance tracker that helps users understand their spending, budgets, and recurring expenses by uploading bank statements instead of connecting bank accounts. It supports PDF, CSV, and Excel statement uploads and turns them into categorized financial dashboards in under a minute.

In addition, Stated includes AI categorization, recurring payment detection, budget tracking, multi-currency support, and a built-in finance assistant that can answer questions about your spending history. The platform also emphasizes privacy by stating it uses AES-256-GCM encryption, does not require personal details beyond sign-up, and says uploaded financial data is never used to train AI. A rare case of a finance tool not demanding your entire banking soul in exchange for a pie chart.

Stated Review Summary
Performance Score
A
Content/Output Quality
Clear, Actionable
Interface
Minimalist & Trust-Focused
AI Technology
  • Natural Language Processing
  • AI Categorization
  • Pattern Recognition
  • Generative AI Assistant
Purpose of Tool
Help users track spending, build budgets, and analyze finances without connecting bank accounts
Compatibility
Web-Based
Pricing
Free + Paid plans, starting from $9/month

Who is Best for Using Stated?

Stated is best for users who want modern money insights without sacrificing privacy.

  • Privacy-conscious professionals avoiding bank credential sharing
  • Freelancers and consultants separating personal and business spending
  • Cross-border earners managing multiple currencies and banks
  • Spreadsheet-tired budgeters wanting automation without account syncing
  • Expat users tracking money across different countries
  • Light business owners exporting cleaner expense data for accounting
Stated Key Features
Bank Statement Uploads
PDF, CSV, and Excel Support
AI Auto-Categorization
Budget Tracking
Recurring Payment Detection
AI Finance Assistant
AI Spending Insights
Merchant Pattern Recognition
Transaction Splitting
Business Expense Tracking
CSV Export
Excel Export
Monthly Reports
Multi-Currency Support
Custom Categories
AES-256-GCM Encryption
One-Click Data Deletion

Is Stated Free?

Yes, Stated offers a free plan, and it is actually useful for testing the product before paying. The paid plans scale by transaction volume and AI usage, which makes sense for both casual users and heavier finance trackers. Miraculously, the pricing is clearly listed instead of being hidden behind “book a demo” nonsense.

Pricing Plans

  • Free Plan for $0/month
  • 50 transactions from your first upload
  • 1 auto-categorize run
  • 3 AI insights
  • Budget tracking
  • CSV export
  • AI assistant
  • No credit card required
  • Personal Plan for $9/month
  • 500 transactions per month
  • Unlimited auto-categorize runs
  • 30 AI insights per month
  • Budget tracking
  • CSV export
  • Monthly reports
  • AI assistant
  • Support
  • Pro Plan for $19/month
  • 3,000 transactions per month
  • Unlimited auto-categorize runs
  • Unlimited AI insights
  • Budget tracking
  • CSV export
  • Monthly reports
  • AI assistant
  • Priority support
  • Business expense tracking and export
  • Business Plan for $39/month
  • 10,000 transactions per month
  • Unlimited auto-categorize runs
  • Unlimited AI insights
  • Budget tracking
  • CSV export
  • Monthly reports
  • AI assistant
  • Priority support
  • Business expense tracking and export
  • Multi-user support listed as coming soon

Stated Pros & Cons

Pros
No bank login required
Strong privacy-first approach
Clear pricing and plan structure
AI assistant adds real value
Multi-currency support is useful
Cons
No live bank sync
Requires statement uploads
Less automatic than aggregator apps
Best experience depends on statement quality
Newer product with limited long-term reputation

FAQs

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Rating

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