AI Expense Tracking
Knowing where your money goes is the first step to spending it better. But manually reviewing bank statements, categorizing transactions, and building spending reports takes hours every month. Fazm reads your transactions directly from your bank's website, categorizes them intelligently, and shows you exactly where your money is going - all from a single voice command.
The Expense Tracking Problem
Most people have a vague sense of their spending but no clear picture. A survey by the National Foundation for Financial Education found that 65% of Americans have no idea how much they spent last month. The people who do track expenses typically fall into two camps: those who use budgeting apps like Mint or YNAB (which require sharing your bank credentials with a third party), and those who manually export CSV files and sort them in spreadsheets (which is tedious and rarely done consistently).
Both approaches have drawbacks. Third-party budgeting apps store your bank login on their servers, which introduces security and privacy concerns. Manual spreadsheet tracking requires too much effort to sustain. And neither approach is great at catching the sneaky costs that quietly drain your accounts - the streaming service you forgot you signed up for, the gym membership you stopped using three months ago, or the annual subscription that auto-renewed at a higher price.
Fazm offers a third path: direct, local expense tracking that works with your bank's own website. No data sharing, no CSV exports, no manual categorization. You speak, Fazm reads, categorizes, and reports.
Voice Commands for Expense Tracking
"Categorize my last month's expenses and show where I'm overspending"
"Check my bank balance and list transactions from last week"
"Find all recurring subscriptions and show which ones I haven't used in 3 months"
"Create a spreadsheet tracking my monthly expenses from bank statements"
"How much did I spend on dining out this month compared to last month?"
"Show me my top 5 spending categories for the last 90 days"
How Fazm Tracks and Categorizes Your Expenses
Open your bank portal
Navigate to your bank's website and log in. Fazm works with Chase, Bank of America, Wells Fargo, credit unions, and any other bank with an online portal.
Tell Fazm what you want to know
Press the hotkey and ask: "Categorize my last month's expenses and show where I'm overspending." Be as specific or broad as you like.
Fazm reads your transactions
Fazm scrolls through your transaction history, reads each entry including the merchant name, date, and amount, and processes the entire list.
Intelligent categorization
Each transaction gets assigned to a category - dining, groceries, transportation, entertainment, subscriptions, utilities, shopping, and more. Fazm recognizes merchant names even when they are abbreviated or encoded.
Report and export
Fazm presents a breakdown by category with totals, highlights areas of overspending, and can export the full report to Google Sheets or Excel for future reference.
Benefits of AI Expense Tracking
Catch hidden costs
Fazm finds recurring charges you forgot about - unused streaming services, expired free trials that converted to paid, and subscriptions that quietly raised their prices.
No third-party data sharing
Unlike Mint and other budgeting apps, Fazm never sends your bank credentials or transaction data to external servers. Everything stays on your Mac.
Month-over-month trends
Ask Fazm to compare your spending across months. See if your dining budget is creeping up, whether you are spending more on rideshares, or how your grocery costs have changed.
Frequently Asked Questions
How does Fazm categorize my transactions?
Fazm reads each transaction from your bank's website and uses the merchant name, amount, and context to assign categories. It handles abbreviated merchant names intelligently - recognizing 'AMZN' as Amazon and categorizing it under shopping.
Can Fazm find subscriptions I forgot about?
Yes. Fazm scans your transaction history for recurring charges and highlights services you may have forgotten about or stopped using.
Can Fazm export my expenses to a spreadsheet?
Absolutely. Fazm can create a spreadsheet with date, merchant, amount, and category columns in Google Sheets, Excel, or Numbers.
Does Fazm share my financial data with anyone?
No. Fazm runs entirely on your Mac. Your transaction data and spending patterns are processed locally and never sent to any external server.
How is this different from Mint or YNAB?
Unlike Mint or YNAB, Fazm doesn't need your bank credentials stored on a third-party server. It works directly with your bank's website in your browser. Your data never leaves your Mac.
Know Exactly Where Your Money Goes
Download Fazm and get an instant spending breakdown without sharing your data.
Download Fazm