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Stated Review

Stated is a privacy-first AI finance tracker that allows users to upload bank statements for instant spending insights, budgets, and AI categorization without direct bank connection.

shipped Apr 8, 2026aifreemium
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Stated - AI tool for stated. Professional illustration showing core functionality and features.

Why it matters

1Processes bank statement PDFs, CSVs, and Excel files directly for financial analysis.
2Operates on a freemium business model, offering core functionalities without cost.
3Utilizes AI for automatic transaction categorization and provides proactive financial insights.
4Prioritizes user privacy by requiring no direct bank account login or connection.

Stork’s verdict on Stated

Stated delivers privacy through manual bank statement uploads, but you trade real-time convenience for not connecting your bank directly.

About Stated

Target Audience
Individuals looking to manage their finances without connecting bank accounts

Specs

API Available

Yes, public API

overview

What is Stated?

Stated is a privacy-first AI finance tracker tool developed by Stated that enables individuals to securely track spending by uploading bank statement PDFs, CSVs, or Excel files without direct bank connection. It automatically categorizes transactions using AI, creates budgets, and provides financial insights.

features

Key Features of Stated

Stated provides a suite of features designed for secure and automated financial management, focusing on privacy and direct document processing.

  • Direct upload of bank statement PDFs, CSVs, and Excel files for analysis.
  • Instant spending breakdowns and detailed financial analysis.
  • Budgeting tools with real-time progress tracking and overspending alerts.
  • AI-powered transaction categorization that learns user habits and remembers past categorizations.
  • Proactive AI-driven financial insights and observations about spending patterns.
  • Direct PDF reading capability, eliminating the need for bank logins or CSV conversions.
  • Detection of recurring payments and subscriptions to identify regular expenses.

use cases

Who Should Use Stated?

Stated is designed for specific user demographics and financial management scenarios where privacy and control over data are paramount.

  • Individuals prioritizing financial privacy by avoiding direct bank account connections to third-party applications.
  • Users managing finances across multiple bank accounts or currencies, including cross-border banking scenarios.
  • Professionals or individuals requiring separation of personal and business expenses for tax or accounting purposes.
  • Users seeking automated transaction categorization and budgeting tools without granting third-party access to bank credentials.

pricing

Stated Pricing & Plans

Stated operates on a freemium business model, offering a free tier that provides access to core functionalities for financial tracking and analysis. Specific details regarding paid tiers, including features and pricing, are not publicly detailed beyond the freemium offering.

  • Freemium: Free tier available, offering core functionalities for bank statement uploads, spending breakdowns, and AI categorization.

Policies

Free Tier

Vendor website advertises a free tier.

Pricing Page

View Pricing→

Similar Tools

Stated vs Competitors

Stated competes within the personal finance and AI-driven expense tracking market, differentiating itself through its emphasis on direct PDF processing and a privacy-first approach without bank logins.

1
ManusOn StorkCompare

Manus is an AI budget tracker that processes uploaded bank statements (PDFs, CSV, Excel) and provides personalized budget plans without requiring bank logins.

Similar to Stated in its core offering of AI analysis from uploaded statements without bank login. Manus also supports CSV/Excel, while Stated emphasizes direct PDF reading. Manus offers free daily credits, aligning with Stated's freemium model.

2
Koody↗

Koody is a personal finance app that allows manual transaction entry or bank statement uploads (including CSV) without requiring bank account connections, offering AI for financial decisions.

Koody directly competes by allowing bank statement uploads and explicitly stating no bank connection, similar to Stated. While Stated highlights PDF, Koody mentions 'upload your bank statements in one quick go' and CSV. Both offer AI-driven insights.

3
ReceiptsAI↗

ReceiptsAI is an AI-powered tool specifically designed to extract and categorize transaction data from PDF bank statements into structured formats like Excel.

ReceiptsAI directly competes on the core functionality of extracting data from PDF bank statements using AI. While Stated focuses on budgeting and insights within its app, ReceiptsAI's primary output is structured data for export, though it also offers categorization and expense reports. It has a free tier.

4
Parseur↗

Parseur is an AI-powered document processing tool that extracts data from various documents, including PDF bank statements, and converts it into structured data.

Parseur is a strong competitor for Stated's underlying PDF processing technology. While it's more of a data extraction service for various document types, its ability to accurately extract data from PDF bank statements with AI directly overlaps with a key feature of Stated.

Visit Stated↗

AI Reputation Report

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