The loop · 03 · Budget
See what you actually spend: against the plan.
Upload a bank or card statement and Perfingo turns it into categorised transactions, then measures your real spending against the plan's targets, band by band. No bank logins. Your statement is the only integration we need.
No credit card required · Cancel anytime
Every dollar, categorised and compared.
The plan sets a monthly target for each band: Living, Housing, Insurance and the rest. Budget shows what you truly spent against it, with honest over/under flags so a quiet overspend never compounds.
Upcoming from your plan · Home renovation, in 3 months · S$60,000 · Prudential Life · S$200/mo
How import works
From a PDF to a plan-aware budget, in three steps.
No linking your bank. No handing your logins to a third party. Just the statement you already download every month.
Upload a statement
Drop in a bank or card PDF: DBS, UOB, OCBC, Trust, GXS. Scanned or photographed statements work too. Nothing leaves your control but the file you choose.
We categorise it
Transactions are sorted into spending bands and matched to familiar SG merchants: NTUC FairPrice, Grab, SP Group, Foodpanda.
Measured against your plan
Each band lands next to the plan's monthly target, so you see under/over at a glance, and the plan can adjust if life changed.
Why no bank connectors? Linking accounts means storing credentials and sharing your data with a middleman. A statement PDF is more private, and it's all we need to give you a full, honest picture. Your PDF is parsed, then discarded: statements are never stored.
Keep going
The rest of the loop
Budget is one surface of four. Together they turn a plan into a living picture.
Turn a statement into a plan that holds.
Stop guessing where the money went. See it, categorised and measured, against the future you're building.
No credit card required · Cancel anytime