About
Personal finance, pared down.
Pare turns your bank and credit-card PDF statements into something legible. Instead of connecting your accounts to an aggregator, you give Pare the statements you already get every month — it reads every transaction, categorizes it, and builds spending trends, cash-flow forecasts, net-worth history, budget goals, and subscription alerts on top. Run the whole thing on your own machine, or let us host it — your account gets its own isolated database either way.
Why it exists
Most personal-finance tools want a live connection to your bank. That means handing your credentials — and a continuous feed of every purchase — to a third-party aggregator. Pare takes the opposite bet: the statements you already receive are enough. They're authoritative, they reconcile to a real closing balance, and they never require you to share a login.
The trade-off is that you do a little work — dropping in a PDF each month — in exchange for keeping your financial life on a machine you control. Pare is built for people who'd rather own their data than rent visibility into it.
And if you do want automatic sync, it stays on your terms: Pare has an opt-in SimpleFIN connection — a read-only bridge you pay directly and can revoke any time. Your bank login lives at the bridge, never in Pare, and the default is always off.
What it does
- Parses bank and credit-card PDF statements — and OFX/QFX exports from any bank — into clean, deduplicated transactions.
- Categorizes spending with first-match keyword rules you can edit, add to, or override per transaction.
- Shows monthly trends, category breakdowns, income vs. spend, a discretionary baseline, and a daily-spend heatmap.
- Tracks net worth from statement balances plus manual entries for things like investments and vehicles.
- Forecasts cash flow 30/60/90 days out and flags recurring charges and double-bills.
- Lets you ask questions in plain language through an MCP server for Claude — a one-URL claude.ai connector on hosted, fully local when you self-host.
What we believe
Local-first
Your statements are parsed and stored on the machine that runs Pare — into a single SQLite file you control. By default nothing connects to your bank at all; the one exception, SimpleFIN sync, is opt-in, read-only, and a bridge you pay and control — never a login you hand to Pare.
Private by design
Every transaction is treated as PII. Uploaded PDFs are deleted after parsing, real financial data never lands in the source tree, and nothing is sold, shared for ads, or used to train anything.
Just your statements
Drop in a bank or credit-card PDF and Pare reads every transaction, categorizes it with rules you can tune, and turns months of statements into trends, forecasts, net worth, and subscription alerts.
Open source
Pare is AGPL-3.0-licensed and self-hostable. Don't want to trust a hosted service? Run your own copy — the code is all there, and the parser, database, and MCP server work the same locally.
How it's built
Pare is a Next.js app with a SQLite database, a Python parser for PDF ingestion, and Recharts for the visualizations — wrapped in a brutalist, monochrome interface where colour is reserved for data, not chrome. It's a personal, open-source project, released under the AGPL-3.0 License and built to be run by one person, on their own hardware, for their own finances.
The code is public. Read it, fork it, file an issue, or self-host your own copy:
View on GitHubA note on the numbers
Pare's summaries, trends, budgets, net-worth figures, and forecasts are estimates generated from the data you provide — not financial advice and not a promise of any future outcome. Statements also lag the calendar, so the current month is always partial. Use Pare to understand your own spending; for decisions about your specific situation, talk to a qualified professional. See the Terms and Privacy Policy for the details.