How Don finds money you can keep
Drop a bank or credit card statement into don.money. Don, a friendly coin, reads it and shows you the fees, subscriptions, and habits that cost you the most, plus how much a year you could keep. The report is free, and you don’t need a bank login.
What Don looks for
Bank and card fees
Monthly account and service fees, overdraft and NSF fees, ATM fees, foreign transaction fees, e-Transfer and wire fees, late fees, annual card fees, and interest charges. Each comes with a way to stop paying it.
Subscriptions
Streaming, music, apps, software, gyms, and memberships. Don flags three or more overlapping streaming services and subscriptions whose price went up.
Fast food, coffee, and snacks
What quick stops add up to each month, and how many there are.
Dining out and delivery
Restaurant and delivery spending, including how many delivery orders you place a month.
Spending above people like you
Groceries, eating out, getting around, shopping, subscriptions, and events, each compared with official spending statistics for a similar household (BLS in the US, Statistics Canada in Canada).
How it works
- Download a statement from your bank or card: one to three months works best.
- Add it to don.money. PDFs, screenshots, CSV, Excel, and OFX files all work.
- See what Don found, and the yearly amount you could keep.
- See how you rate in your group. Don compares you with people of a similar age, income, household size, kids at home, housing, and city, from “Super saver” to “Living large”, and shows which categories run above or below typical. If anything is off, change it and the findings update.
- Want more? Get an in-depth plan. Don’s AI turns your group comparison into step-by-step actions, monthly targets, and where to put the savings. $10 one-time, $6.50 at launch, and you can rebuild it free for 7 days after changing your group or statement.
Want to see it first? Choose “Try a sample first” on the home page for a report built from a sample statement.
Files and banks
Don reads PDF statements, screenshots (PNG, JPEG, WebP), CSV, Excel (XLSX, XLS, ODS), and OFX, QFX, or QBO files. CSV exports have been tested from Chase, Bank of America, Wells Fargo, Citi, Capital One, U.S. Bank, PNC, Ally, SoFi, Schwab, USAA, Discover, American Express (US and Canada), Apple Card, RBC, TD, CIBC, Scotiabank, BMO, Tangerine, Simplii, Desjardins, Wealthsimple, PayPal, Venmo, Cash App, Wise, and Revolut. That includes day-first dates, separate debit and credit columns, multi-currency exports, and payment-app files with direction and status columns.
Privacy
Spreadsheets stay on your device
CSV, Excel, and OFX files are read in your browser and never leave your device.
PDFs and screenshots aren’t kept
They’re read on a secure AI cluster in Toronto, Canada, powered by Faraday Machines. Nothing is kept, trained on, or stored.
The in-depth plan sends a summary only
Only if you ask for it: your category totals, recurring charges, and findings go to the AI. Never your statement or transactions.
No logins
No bank login, no account, and no credit card.
Questions
Is don.money free?
Yes. The report is always free: what Don found, where your money goes, recurring charges, and how you compare with your group. An optional in-depth plan, written by AI for your group, is $10 one-time, $6.50 at launch, paid through Polar. There’s no subscription.
Do I need to log in to my bank?
No. You download a statement from your bank and add the file. There’s no bank login, no account, and no credit card.
Is my statement stored?
No. CSV, Excel, and OFX files are read in your browser and never leave your device. PDFs and screenshots are read on a secure AI cluster in Toronto, Canada, powered by Faraday Machines. Nothing is kept, trained on, or stored.
Which files and banks work?
PDF statements, screenshots (PNG, JPEG, WebP), CSV, Excel (XLSX, XLS, ODS), and OFX, QFX, or QBO files. CSV exports have been tested from Chase, Bank of America, Wells Fargo, Citi, Capital One, U.S. Bank, PNC, Ally, SoFi, Schwab, USAA, Discover, American Express (US and Canada), Apple Card, RBC, TD, CIBC, Scotiabank, BMO, Tangerine, Simplii, Desjardins, Wealthsimple, PayPal, Venmo, Cash App, Wise, and Revolut.
How does Don know what’s typical?
Don compares each category with the published averages of every group you belong to, straight from official statistics, with nothing modelled or combined. In the US that’s the Bureau of Labor Statistics Consumer Expenditure Survey 2024: your income band, household size, age, region, and housing. In Canada it’s Statistics Canada’s Survey of Household Spending 2023: your province and income, plus Canada-wide averages for your age, housing, community size, and household type. Each figure has a 95% margin of error, and Don only says you spend more than your groups when you spend more than every one of them, even at the top of its margin. US margins come from each figure’s standard error, calculated the way BLS does and checked against the ones it publishes. Statistics Canada publishes only figures with a coefficient of variation under 35%, so Don gives each Canadian figure the widest margin that allows. Statistics Canada doesn’t publish fast food separately from other restaurants, so in Canada eating out is compared as one category. Bills aren’t compared, because statements often miss rent, utilities, or insurance paid from another account.
Is this financial advice?
No. don.money gives general information about your spending, not financial advice.
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No bank login or credit card required.
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