Executive Summary

Many privacy-conscious consumers and financially-savvy individuals struggle to turn raw bank CSVs into actionable, trustworthy spending insights—exports are inconsistent, merchant names are messy, and OAuth connectors raise privacy concerns; this affects a large addressable audience (about 120M English-speaking users willing to pay for premium transparency). The pain is especially acute for people trying to detect hidden subscriptions, reconcile irregular income, or produce audit-ready reports without handing full account access to third parties. Build a privacy-first web/mobile product that parses bank CSVs into clean, AI-labeled transactions, recurring-payment detection, anomaly alerts, and exportable visual reports, with bank-specific parsing templates and optional on-device or encrypted processing. Offer a freemium funnel and a premium $80 ACV tier (forecasted TAM $9.6B) focused on forecasting, tax/export tools, and subscription management to drive recurring revenue. This market is attractive now because of three converging trends—growing distrust of OAuth connectors, subscription-fatigue driving demand for churn-reduction tools, and improved AI models that make high-quality categorization feasible with small training sets; the idea scores well on market (90/100) and revenue potential (82/100). You can differentiate by making CSV/user-owned-data the default privacy guarantee, combining superior labeling accuracy and bank-specific parsers to produce audit-grade insights that mainstream aggregators neglect; the main challenges are reducing CSV upload friction, scaling parsers across dozens of bank formats, and acquiring users cost-effectively, but those are tractable with early investment in onboarding and trust-building.

Market Opportunity

Make spending truth unavoidable by parsing bank CSVs into clear insights targets a $9.6B = 120M potential paying users × $80 ACV (global English-speaking personal finance audience willing to pay for premium transparency) total addressable market with medium saturation and a year-over-year growth rate of 12% YoY growth in personal finance app adoption and premium subscriptions (Source: Statista / industry estimates 2023-2024).

Key trends driving demand: Privacy-first finance — increasing user concern about OAuth connectors creates demand for CSV or user-owned-data workflows.; Subscription fatigue — rapid growth in recurring payment detection need makes spend-surface tooling valuable for churn reduction.; AI-enabled categorization — improved models make high-quality automated transaction labeling feasible with small training sets.; Spreadsheet resurgence among prosumers — freelancers and founders prefer spreadsheet exports and auditability that CSV-first tools can provide..

Key competitors include Mint (Intuit), You Need A Budget (YNAB), Tiller Money, Truebill / Rocket Money.

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Make spending truth unavoidable by parsing bank CSVs into clear insights

Executive Summary

Market Validation

Market Opportunity

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