Your financial analysis desk

Bank statements turned into financial decisions

EFIP reads your statements, invoices and receipts, sorts the transactions itself, catches the subscriptions and costs that quietly slip through — then answers questions about your money in plain sentences, not spreadsheets.

See what is inside

The demo opens the real dashboard on a public account. No signup, no card.

  • Import CSV, XLSX and PDF from any bank
  • Automatic categorisation and merchant recognition
  • AI analyst on the model you choose — local models included

78

transactions processed

24

merchants recognised

5

subscriptions detected

9

spending categories

Every number on this page comes from the demo account — none of it is invented.

This is the dashboard once your statements are in

Below is the real state of the demo account: the same numbers you get when you click "Open the demo".

finance.etherneco.com/dashboard

Period

Jan 2026 — Jul 2026

Average monthly spend

£1,647

💰

Income

£23,010

💸

Expenses

£11,532

📈

Net saved

£11,478

49.9% savings rate

❤️

Financial health

100

out of 100

Income and spending, month by month

Feb
Mar
Apr
May
Jun
Jul
IncomeExpenses

Where the money goes

  • 🏠Housing£9,450
  • 🛒Food & Groceries£840
  • 🚗Transport£309
  • ☁️Cloud & Software£288
  • 🛍️Shopping£270
  • 📦Other£163

Biggest merchants

  • DIDirect Debit Landlord7 transactions£9,450
  • TETesco10 transactions£600
  • AMAmazon9 transactions£420
  • SASainsbury's5 transactions£240
  • SHShell5 transactions£237

Detected subscriptions

£94.43 / per month
  • AWS£37.45
  • ChatGPT£20.00
  • GitHub Copilot£19.00
  • Netflix£15.99
  • Google One£1.99

£1,133.16 per year

Recent transactions

  • 🍽️Pret A Manger16 Jul · Dining Out-£9.15
  • 🚗Shell15 Jul · Transport-£49.90
  • ☁️Anthropic (Claude)15 Jul · Cloud & Software-£20.00
  • 💰Salary15 Jul · Salary+£2,620.00
  • 📦Stripe Payout14 Jul+£1,200.00
  • 🛒Sainsbury's14 Jul · Food & Groceries-£52.13

Account balance

£3,578.68

Barclays

£2,450.21

Monzo

£1,128.47

AI analyst

Ask about your money in an ordinary sentence

The analyst does not guess. Before it answers it pulls real rows from your database — sums transactions, checks categories, compares months.

Where am I burning the most, and what can I do about it?

  • get_spending_summary() → £11,532.42 / 78 tx
  • get_subscriptions() → 5 × £94.43/mo
  • get_top_merchants() → Direct Debit Landlord, Tesco

I went through every transaction in the demo period. Three things stand out:

  • Housing is by far the largest line — one fixed payment a month, but it sets the shape of the whole budget.
  • Subscriptions and software are a quiet, repeating cost — five active services renew every month, which adds up to a real number over a year.
  • Groceries and online shopping are the most frequent charges — lots of small transactions that together weigh more than they look.

Want me to turn this into a monthly budget and set the alerts up?

Runs on the model you pick:OpenAIAnthropicGoogleOllama (local)

The answer above illustrates a conversation over the demo data. The analyst always computes from your transactions, never from the model’s general knowledge.

One platform, two ways to use it

The same engine — different questions it answers.

For businesses

Know where the company money actually goes

Operating costs, SaaS tools, invoices and receipts in one place — ready for the conversation with your accountant.

  • ☁️SaaS cost controlEvery subscription and cloud charge detected automatically, with monthly and yearly cost.
  • 🧾Invoices and receiptsDocuments attached to transactions, so nothing goes missing at month end.
  • 📊Exportable reportsBreakdowns by category, merchant and period — export ready for accounting.
  • 🏢Multiple profilesSeparate spaces for the company and for yourself, one click apart.
For individuals

A household budget that keeps itself

Instead of a manual spreadsheet — a history that organises itself and tells you what changed.

  • 🔄No more forgotten subscriptionsRecurring charges surface on their own, before the next renewal.
  • 🎯Budgets with alertsA limit per category and a warning before you cross it, not after.
  • 📈Forecasts for 3, 6 and 12 monthsWhat will be left if nothing changes — computed from your own history.
  • ❤️Financial health scoreOne number telling you whether things are moving the right way.

From a bank file to an answer

Four steps. The first takes a minute, the system does the rest.

  1. 1

    Drop in a statement

    CSV, XLSX or PDF from your bank. Columns are detected automatically, so there is no manual mapping.

  2. 2

    The data sorts itself out

    Bank gibberish becomes readable names, and re-imported rows are caught before they clutter the history.

  3. 3

    Everything gets context

    Category, merchant, subscription, recurring payment — assigned automatically, correctable with rules.

  4. 4

    You ask, you get an answer

    Dashboard, forecasts, alerts and an AI analyst computing over your transactions.

What you get inside

The modules shipping today — exactly the ones you will see in the demo.

Analytics

💳

Transactions

Full history with filters, search and bulk editing.

🏷️

Categories and rules

Your own categories plus rules that assign them automatically.

🏪

Merchants

A profile per merchant: how much, how often, since when.

🔄

Subscriptions

Detected recurring payments with monthly and annual cost.

📊

Reports

Period breakdowns with export and saved views.

📈

Trends

Period comparison and shifts in your spending mix.

Intelligence

🤖

AI analyst

A conversation over real data, with conversation history.

🔮

Forecasts

Spending and savings projected 3, 6 and 12 months out.

🔔

Alerts

Unusual spend, blown budgets and risks caught on their own.

🎯

Budgets

Category limits with usage tracked over time.

Data

🏦

Accounts

Multiple accounts and banks in one balance picture.

📄

Statements

Import history, duplicate detection and a preview before saving.

🧾

Receipts and invoices

Documents linked to specific transactions.

👥

Profiles

Separate data spaces with a switcher in the dashboard.

Your data stays yours

Finances are not something to hand to someone else’s server.

🏠

Runs on your infrastructure

App and database sit wherever you decide — fully on your own hardware if you want.

🧠

Pick your AI model

OpenAI, Anthropic, Google or a local Ollama. With a local model nothing leaves your network.

🔐

Email or Google sign-in

Hashed passwords, signed sessions, access scoped per profile.

🧱

Profile isolation

Every query is scoped to the active workspace — company data never mixes with personal.

Coming for businesses

Honestly: not in the demo yet, but on the plan.

Soon

Company mode

A separate data model for a registered business.

Soon

VAT intelligence

Recognising tax rates and amounts on documents.

Soon

Business dashboard

A view built around company costs and cash flow.

Soon

Receipt OCR

Reading line items off a receipt and attaching them to the transaction.

See it on real data

The demo account is open. Go in, click around, ask the analyst something.

The demo is read-only — you can browse everything without breaking anything.