Trickle
Trickle reads a bank statement you import and points out what's quietly costing you. Everything stays on your phone. Here's how it works and what to do when it doesn't.
From your bank, not from Trickle. Every bank has an export somewhere near the transaction list — in the app for some banks, only on the website for others. Pick CSV (not PDF) and the widest date range it allows. The Import screen in Trickle has the steps for each bank it knows about.
If your bank only offers the export on its website, log in from Safari or Chrome on your phone; the file lands in your Files or Downloads and Trickle's Choose file button finds it there.
That's the Map columns screen: Trickle has guessed which column holds the date, the amount and the description, and asks you to check. Fix anything wrong, look at the three rows it reads back, and import. It remembers the layout, so that bank's next file goes straight through.
Almost always a short statement. Subscriptions, price rises and bill creep only show up over months — a fortnight of transactions has nothing to compare against. Export a year if your bank allows it, then import that.
It will be, sometimes. Banks shorten merchant names, and "you've paid this for ten months" might be something you love. Open the finding and tap This isn't right to say why, or Keep it if it's on purpose. Either way it leaves the list, and you can bring it back from Settings → Ignored findings.
What you'd keep in a year if every open finding turned out to be waste. It's an upper bound, not a promise — it goes down as you answer each finding.
Anything paid from another account, or in cash, won't be in the statement. Add it yourself from the Recurring tab (Add a bill Trickle can't see) and it joins the upcoming list and the reminders.
Free: the three biggest findings, the next 14 days of upcoming bills, and the pay-later total. One payment opens the rest, for good — every finding, the full sixty days, each pay-later plan. There is no subscription.
New phone, or a reinstall. Open the unlock screen (any locked card, or Settings → Unlock Trickle) and tap Restore an earlier purchase. It checks with the App Store or Google Play using the account you bought it with.
Reminders are ordinary phone notifications, so check Trickle is allowed to send them in your phone's Settings. They fire at 9am on the day you chose; the list is under Settings → Reminders.
Settings → Delete all data wipes every imported statement and everything derived from it. Uninstalling the app does the same. There is no copy anywhere else — see the privacy policy.
No. Trickle points out patterns in your own transactions so you can decide what to do about them. It doesn't know your circumstances and isn't a substitute for advice from someone who does.
Email hello@jagganaut.com with what you tried and what happened. Please don't attach your statement — describe the problem instead, and we'll work from that.