Monavio is a personal finance app that works from the bank statements you already have. Instead of connecting your bank, you upload a PDF, CSV or Excel statement (or forward it by email), and Monavio extracts and categorizes the transactions. Because it reads statements rather than relying on a bank-data aggregator, it isn't limited to a list of supported banks or countries.

You get spending analytics, category budgets, recurring-charge and subscription detection, net worth, investment tracking and a FIRE planner with Monte Carlo projections. Each account keeps its own currency, and reports convert into the currency you choose. Sensitive data is encrypted at the field level with AES-256-GCM.

Monavio runs in any browser, in six languages. Plans start at $3 a month billed annually, with a 14-day free trial and no credit card.