Statement import vs. manual entry
You upload a CSV or PDF statement and an adaptive parser identifies the relevant columns automatically. IBANs are encrypted at rest using AES-256-GCM and the raw file is not retained after parsing.
Statement Import
Recurring Detection
Budget Management
Cash Flow Analysis
Multi-Account
Cash positions without an Open-Banking login
Open Banking is convenient until you remember it requires you to hand banking credentials to a third party. Manalyx skips that step entirely: you upload the CSV or PDF statement that you already get from your bank, an adaptive parser turns it into structured income, expenses and recurring contracts, and your cash position joins the rest of your wealth dashboard. No PSD2 connection, no stored bank password.
Categories, recurring contracts and budgets
Transactions are matched against category rules, and recurring patterns like rent or subscriptions are grouped as contracts. Per-category monthly budgets show actual spend versus limit at a glance.
Billing periods and the net-worth view
Salary-to-salary, calendar month or a custom billing cycle defines the period your numbers are calculated against. Account balances feed straight into the net-worth view alongside stocks, crypto and real estate, so cash stops being a separate spreadsheet.
Statement-driven banking
Why Manalyx imports bank statements instead of connecting via PSD2
Open banking sounds tidy in marketing copy, but every PSD2 connection means a third party holds tokens that read your live transactions for you. Manalyx takes the opposite stance: you upload a statement (CSV or PDF), it is parsed inside an edge function, normalised into transactions, and the file is discarded. There is no continuous read access, no token to revoke, and no third-party aggregator standing between you and your bank.
How specialised parsers map bank-specific quirks
Each bank renders statements differently. Revolut splits multi-currency rows; ING groups SEPA references on a separate line; DKB and Sparkasse use different date locales. Manalyx ships parsers tuned per bank that recognise these quirks and emit a normalised transaction with date, amount, currency, counterparty and a clean reference field, so the categoriser sees consistent input.
Recurring contract detection without a continuous feed
A monthly Spotify charge has the same counterparty, similar amount and a regular cadence. Manalyx finds these patterns inside your imported history, flags them as contracts and projects upcoming charges into the cash-flow view. Because detection runs on imported data, you stay in control of what the system sees.
AES-256 encryption for IBANs at rest
Bank account identifiers carry stronger expectations than transaction amounts, so Manalyx encrypts every IBAN with AES-256-GCM before it touches the database. Decryption happens only inside server-side functions for views you opened. Audit logs record every read so misuse leaves a trail you can inspect.
Without Manalyx
- No overview of all accounts together
- Forgotten subscriptions and recurring costs
- Expenses not categorized
- Cash flow development invisible
- Banking separated from investments
With Manalyx
- Checking, savings, and credit cards in one place
- Automatic detection of recurring payments
- Set budgets and track spending
- Cash flow charts over any time period
- Banking alongside assets for the full picture
What Banking Includes
Statement Import
Import bank statements via PDF or CSV. Transactions are parsed automatically.
Recurring Detection
Automatically detect subscriptions, contracts, and recurring payments.
Budget Management
Set monthly budgets by category and track your spending against goals.
Cash Flow Analysis
Visualize income vs. expenses over time with detailed charts.
Understand where your money goes
Detailed cashflow charts show income vs. expenses over any time period. See your net surplus at a glance and identify savings potential with monthly trend analysis.
Cashflow
Expense Tracking
Monthly Trends
Spending by category, instantly clear
Every transaction is categorized automatically. See exactly how much goes to housing, groceries, subscriptions, or entertainment — and spot hidden cost drivers.
Categories
Auto-Categorization
Recurring Detection
Your net surplus, tracked monthly
See exactly how much more income than expenses you had this month. Track deposits vs. withdrawals, compare month over month, and spot savings trends with a built-in sparkline chart.
Net Surplus
Transaction Activity
Monthly Comparison
Income vs. expenses, month by month
Compare your income and expenses across billing periods with a clear bar chart. Spot seasonal patterns, track progress, and see at a glance whether you're spending more or less over time.
Monthly Trend
Income vs. Expenses
Period Comparison
Manalyx is a data aggregation and visualization tool. We do not store bank login credentials.