TrueSpend | The Credit Card Analyser
Know where your money goes in under 10 minutes
Paste in transactions, choose categories, see your spend
One-off payment | Instant Download | 100% Offline Excel file
Why TrueSpend?
Built for people who have data,
but still don’t really understand their spending.
Most people already have access to their credit card data. What they don’t have is clarity.
- Bank apps summarise your spending, but decide the categories and story for you.
- Auto-categorisation guesses, gets it wrong, and quietly trains you to stop paying attention.
- One supermarket transaction becomes “groceries”, even when it wasn’t
- And everything is squeezed onto a phone screen, where patterns are hard to see.
TrueSpend is deliberately different. You work with your own transactions, on a proper screen, and you decide where each spend belongs.
- Download your credit card transactions (CSV or Excel)
- Paste them into TrueSpend
- Assign categories using simple dropdowns
- Refresh and see your spending instantly
Designed to be useful from the first paste.
What Makes TrueSpend Different
Built by a Chartered Accountant who designs dashboards for finance teams
Manual categorisation
You categorise transactions yourself. That deliberate step makes you notice spending patterns automation glosses over and helps the numbers actually register.
Multiple
cards
Combine multiple credit cards from different banks into one consistent structure. Same categories, same logic, one clear picture of where your money goes.
100%
Offline
Your data never leaves your computer. No syncing, no accounts, no third-party access.
See TrueSpend in Action
A short walkthrough showing exactly how TrueSpend works. This is the exact file you’ll receive.
Inside TrueSpend
A practical tool to analyse your credit card spending over time.
What It Gives You
- A clear picture of where your credit card spending goes
- The ability to see patterns across months and years, not just totals
- A consistent way to analyse multiple credit cards together
- Control over how spending is grouped, without relying on auto-guessing
- A structure you can reuse month after month
What’s Included
- An interactive Excel dashboard
- Pre-defined categories and sub-categories
- Supports multiple credit cards
- Supports multiple years and up to 10,000 transactions
- Works with Excel 2021 or Excel 365 (Windows and Mac)
- One-off payment. No subscription
- 10-minute walkthrough video: Watch here
Common questions
Quick answers to help you get started
- How do I get access? You will receive an email with the Excel file and link to an instruction video after payment is confirmed.
- How big is the Excel file I receive? 0.5MB
- Do I need advanced Excel skills? No. If you can paste data and use dropdowns, you can use TrueSpend.
- What version of Excel do I need? TrueSpend works on Windows and Mac with Excel 2021 or 365.
- How much time does it take per month? Around 10 minutes to categorise a typical month of transactions.
- Do I have to categorise transactions every month? Yes. This is a deliberate part of the process and is what makes you pay attention to where your money is going.
- Can I change the categories? No. The categories and sub-categories are fixed to keep the dashboards consistent and working correctly.
- How many lines of data does the file support? Up to 10,000
- Will this work with my credit card(s)? Yes, as long as you can export transactions to Excel or CSV.
Follow Your Money
One-off payment. Instant download. No subscription.
If you run into any issues or need help, email me and I’ll make sure it works for you.