Bills AI

Bills AI is a web-based SaaS tool that analyzes uploaded bank statements to provide AI-powered spending insights. Users upload PDF or image statements instead of linking a bank account. The service extracts transactions, converts PDF statements to CSV, categorizes spending, groups recurring charges, and highlights subscriptions, duplicate charges, and bank fees for review. It markets a no-bank-linking, privacy-first approach. The platform uses AI providers including OpenAI, Claude, and Gemini to categorize transactions and surface patterns. It produces a financial health score from 0 to 100 and offers recommendations tied to transactions in the uploaded statement. The homepage states that statements are encrypted in transit and at rest, processed securely, and permanently deleted after analysis. A free plan is available, with premium features and pricing accessible via a separate pricing page. Bills AI is positioned as an alternative to traditional budgeting apps that require ongoing bank connections. It focuses on manual statement uploads for private analysis. The service is intended for individuals who want to find forgotten subscriptions, hidden fees, and spending patterns without granting persistent access to financial accounts.

Category: AI/ML
Pricing: Unknown

Problem solved

Many personal finance and budgeting apps require linking a bank account, which raises privacy concerns and gives ongoing access to financial data. Bills AI solves this by letting users upload PDF or image bank statements for AI-powered transaction extraction, categorization, and spending analysis. It helps users find forgotten subscriptions, duplicate charges, hidden bank fees, and other recurring costs without connecting a live bank account.

Use cases

Convert bank statement PDFs into CSV files for offline analysis
Extract and categorize transactions from uploaded PDF or image statements
Identify recurring subscriptions and forgotten charges across statements
Detect bank fees, FX charges, and duplicate transactions
Generate a financial health score based on statement spending patterns
Review spending by category without linking a bank account
Analyze personal budgets privately using manual statement uploads

Audience

Business Users
Hobbyists

Pros

No bank account linking required; users upload statements manually
Supports PDF and image bank statement uploads
Uses AI to extract, categorize, and group transactions
Highlights recurring subscriptions, duplicate charges, and bank fees
Offers a free plan and a 0-100 financial health score

Cons

Requires manual statement uploads instead of real-time bank synchronization
AI-generated insights may need verification against original statements
Paid tier pricing is not specified in the provided homepage content
No public GitHub repository or open-source code was found
Accuracy depends on statement format and quality

Official website: https://billsai.cc/

Canonical LambdaBase page: https://www.lambdabase.com/tools/bills-ai

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Bills AI

Unknown

★ 11 • Updated Sep 18, 2026, 09:30 PM

Bills AI is a web-based SaaS tool that analyzes uploaded bank statements to provide AI-powered spending insights.

Use Cases ▼

Convert bank statement PDFs into CSV files for offline analysis

Extract and categorize transactions from uploaded PDF or image statements

Identify recurring subscriptions and forgotten charges across statements

Detect bank fees, FX charges, and duplicate transactions

Generate a financial health score based on statement spending patterns

Review spending by category without linking a bank account

Analyze personal budgets privately using manual statement uploads

What Problem It Solves ▼

Key Features ▼

✓

No bank account linking required; users upload statements manually

✓

Supports PDF and image bank statement uploads

✓

Uses AI to extract, categorize, and group transactions

✓

Highlights recurring subscriptions, duplicate charges, and bank fees

✓

Offers a free plan and a 0-100 financial health score

Overview

Full Description ▼

The platform uses AI providers including OpenAI, Claude, and Gemini to categorize transactions and surface patterns. It produces a financial health score from 0 to 100 and offers recommendations tied to transactions in the uploaded statement. The homepage states that statements are encrypted in transit and at rest, processed securely, and permanently deleted after analysis. A free plan is available, with premium features and pricing accessible via a separate pricing page.

Bills AI is positioned as an alternative to traditional budgeting apps that require ongoing bank connections. It focuses on manual statement uploads for private analysis. The service is intended for individuals who want to find forgotten subscriptions, hidden fees, and spending patterns without granting persistent access to financial accounts.