HELP • SPEND & EXPENSE AI INTELLIGENCE

Know about Spend & Expense AI Intelligence™

Everything you need to know before you start: what it does, who it is for, what to upload and what you get.

What it does

Spend & Expense AI Intelligence shows you where your money goes — and where it leaks. Upload a bank statement, card statement or expense register, and in a minute every payment is sorted into a category, your recurring payments and subscriptions are listed, and duplicate, unusual and rising payments are flagged — with the savings you can act on.

The problem it solves: money goes out every day — rent, salaries, suppliers, electricity, software, fuel, food, bank charges. Statements only show a long list of narrations like "POS 4567XXXX GOOGLE WORKSPACE" or "NEFT DR-HDFC0000123-SRI RAM PROPERTIES". Nobody has time to sort them by hand, so subscriptions quietly go up in price, the same bill gets paid twice, and costs creep up month after month without anyone noticing.

Who it is for

It is not only for credit cards — it works on any list of payments that has a date, a description and an amount.

WhoWhat they uploadWhat they get
Small business / shop ownerCurrent account bank statementWhere money goes each month — rent, salaries, suppliers, electricity — and leaks like double payments
Finance manager / accountantExpense register from Tally or ZohoSpend by category and vendor, recurring costs, unusual entries to check
Company with corporate cardsCredit card statementsSoftware subscriptions (Zoom, Google, AWS…), duplicate charges, price rises
Startup / IT teamCard + bank statementAll SaaS subscriptions in one list, and ones no longer used
CA firmClients' bank statementsQuick expense review and audit-style checks for the client
IndividualsPersonal bank or card statementMonthly budget by category, subscriptions to cancel

What you upload

  • One file — Excel (.xlsx), CSV or JSON: a bank statement, credit card statement or expense register.
  • It needs a date, a description / narration and the amount paid (withdrawal / debit). A vendor or category column helps if you have one.
  • Download the statement from net banking as Excel or CSV (not PDF). Title rows at the top are handled. Money received (deposits) is ignored.
  • 6–12 months of data gives the best results — recurring payments, price rises and trends need a few months to show.

What you get

📊 Spend by categoryRent, salaries, electricity, internet & phone, software & subscriptions, marketing, fuel & travel, food, office, bank charges, taxes, EMIs, suppliers, cash — sorted automatically. Change any vendor's category with one click.
🔁 Recurring & subscriptionsEvery payment that repeats each month, with the monthly and yearly cost and the last date paid.
📈 Price risesSubscriptions that went up — "Google Workspace +20% (₹4,200 → ₹5,040 a month)" — and the extra cost a year.
👥 Duplicate paymentsThe same vendor and amount paid twice within a few days — ask for a refund or adjust the next bill.
🚩 Unusual paymentsAmounts far above the normal for that vendor, large round amounts to one-time payees, big payments on a Sunday.
⏸️ Stopped paymentsRecurring payments that stopped — confirm they were cancelled, not missed.
📉 TrendsCategories rising or falling — last 3 months against the 3 before.
🤖 AI that learnsAn AI model in your browser sorts the payees the rules could not ("SHREE TEA STALL" → Food) and shows how sure it is. Correct one payee and it learns — "KRISHNA TYRES" → Fuel & travel, and it sorts MRF and Apollo tyre shops the same way, now and in your next files.
✨ Ask AIOptional: one click and Azure OpenAI explains your spend in plain words — the 3 biggest findings and the 3 actions that save the most — or answers your question. Only the summary you see is sent, and only if you agree.
🤝 Vendors to combineSeveral vendors for the same kind of spend that could be combined for a better rate.

Possible savings = duplicate payments to recover + the extra yearly cost of price rises.

Downloads: a Spend Analysis Workbook (Excel) with every list and all payments, and a one-page Spend Brief (Word) with the savings actions — ready for the owner, the finance team or your CA.

How it works — in 5 steps

1
Sign in and purchase — $20 USD for 30 days, unlimited files. The first 5 customers get 35 days.
2
Upload your statement — the columns are matched for you; check them.
3
Click Analyse My Spend — every payment is sorted and checked in your browser.
4
Read the tabs — Categories, 🤖 AI, Recurring, Duplicates, Unusual, Vendors, Trends. Correct any category and the AI learns; click ✨ Explain my spend for a plain-words summary.
5
Download the Excel workbook and the Word brief, and act on the savings.

Your data stays with you

🔒 Your file is read and analysed inside your browser. It is never uploaded to QuantumData servers. Only sign-in, your licence and payment use our secure service.

🤖 The AI that learns also runs inside your browser; what it learns from your corrections is kept on your browser only.

✨ Ask AI is optional. Before anything is sent you see the exact summary — totals by category, subscriptions, price rises and counts — and tick "I agree". Your file, narrations and personal payee names (salaries, people) are never sent, and nothing is stored.

Try Spend & Expense AI Intelligence 📖 Read Me — page guide