Understand your money.Build your wealth.
Upload the CSV files your bank already gives you, Kleev transforms them into a clear picture of your spending, property, budgets and goals without a single bank login.
Work with statements from
all banks & cards in Australia.
How to download your statements 
Drop in a file.
All your finances clarified.
Export a CSV, drag it in and you’re done. Kleev categorises every transaction and remembers your format for next time.
- Reads 120+ Australian bank and card formats
- Reconciles transfers, refunds and duplicates for you
- Learns your layout once, reuses it next time
Your personal CFO,
inside every screen.
Kleev AI runs under every page. It reads the numbers, finds what changed, and reports back in one plain sentence. No dashboards to decode.
- Plain-English read on spending, wealth and goals
- Flags trends and surprises before they bite
- Never gives personalised advice, general & educational info only
Your data
stays secured.
Your data is hosted in Sydney, also where Kleev is 100% developed. Everything Kleev knows comes from the files you upload, and those files are parsed in your browser. If we don’t recognise your bank’s layout, we send five sample rows to our AI to work it out.
- Your CSV is parsed in the browser, the raw file is never uploaded
- We never ask for a bank login, so there’s no credential to steal
- Wipe everything in one click
Meet your personal CFO: deep insights for your full financial life.
Get more value, with less hassle.
WeMoney, Frollo, YNAB, PocketSmith and Copilot, compared feature by feature. A crown only appears where one option clearly wins, even when it isn’t us.
KleevFreemium · AU×15
×15WeMoneyFreemium · AU×1
FrolloFree · AU×1
YNABUS$109/yr · US×1
PocketSmithFreemium · NZ/AU×2
CopilotUS$95/yr · US×1
What you payFor the full feature set
Free plan · from A$3.39/wk
A$99/yr Pro
Free
US$109/yr
From US$9.99/mo
US$95/yr
No ads or offersNo partner-product cross-sell
No bank login neededWorks from statements you already have
Bank linking
Open Banking consent
Manual entry
Manual entry
Plaid linking
Any bank CSV supportedAI reads the format, no column mapping
Manual mapping
Manual mapping
No CSV import
Live bank feedsAccounts sync automatically
CSV upload instead
Open Banking
Free CDR feeds
No AU feeds
Paid plans
Plaid, US banks
Native mobile appsiOS and Android
Web app, mobile-friendly
iOS only
Credit score trackingScore updates inside the app
Equifax + Experian, free
Multi-currencyAutomatic conversion, daily rates
AUD only
Auto-categorisationCategories assigned out of the box
Rules-based
Per-user ML model
Learns your rulesRecategorise once and Kleev remembers
Payee rules
Category rules
Learns from corrections
Refund pairingReturns cancel the original spend
P2P nettingSplit bills don't inflate spending
Recurring & subscriptionsRepeat charges detected automatically
Bills & subscriptions
Bill alerts
Manual schedules
Calendar & rules
Price-rise alerts
Spending insightsTrends by category and merchant
Per-property performanceYield, cashflow and equity in one view
Asset values only
AI loan extractionReads mortgage statements automatically
Offset account auto-detectedKleev spots your mortgage offset in the CSV
Excel-like statement gridEvery loan month: confirmed, manual or AI-estimate
Scenario modellingWhat-if repayments, rates and offset balances
Cashflow scenarios
Category budgetsSet limits by spending category
Zero-based budgetingEvery dollar gets a job
Envelope method
Savings goalsTrack progress toward a target
Targets
Via budgets
Budgets drafted for youA starting budget from your history
AI-drafted
Auto-budget tool
Monthly close-offLock a month once you've reviewed it
Net worth trackingAssets minus debts, over time
Manual assetsProperty, vehicles, anything offline
Incl. vehicles
Tracking accounts
Zillow or manual
EOFY deductions packTransaction-matched deduction tables, Excel export
Saved-search reports
Property tax scheduleATO-shaped, built from your statement data
Ask your own dataPlain-English questions, grounded answers
Monthly CFO reportAn AI report on your month, with actions
Cashflow forecastingLong-range income and spending projection
Not yet
Up to 60 yrs, paid plans
Deals matched to youOzBargain deals ranked by your spending
A crown marks a clear winner only: a feature no one else offers, or the same thing clearly cheapest or most complete. Where several apps are on par, everyone gets a plain check. A dashed circle means partial support: the feature exists with real limitations (manual CSV mapping, rules-only categorisation, missing platforms or regions). Comparison based on each product’s public pricing and feature documentation, July 2026. Kleev has a free plan; paid plans start from A$3.39/wk on the annual plan (A$176.28 billed once a year), or A$3.99/wk billed every 4 weeks, with a 14-day free trial on your first subscription. WeMoney Pro A$9.99/mo or A$99/yr; YNAB US$109/yr with no native Australian bank feeds; PocketSmith bank feeds from US$9.99/mo (Foundation, billed annually); Copilot Money US$95/yr or US$13/mo, US only, with no Android app. Free tiers of WeMoney and PocketSmith carry feature limits.
Highest diligence on your data, privacy and security.
No bank login, ever
No banking credentials, no screen-scraping. Your CSV is parsed in your browser, so the raw file is never uploaded. Only the parsed rows sync, plus five sample rows if our AI needs to work out an unfamiliar layout.
Read-only by design
Kleev only reads the statements you give it. It has no power to move, touch or transfer a cent.
Encrypted in transit and at rest
TLS 1.2+ on every connection, and AES-256 encryption from the moment your data syncs.
Locked to your account
Optional two-factor authentication (TOTP), and Postgres Row Level Security scopes every record to your user ID.
Hosted in Australia, data never sold
Your data lives on Australian infrastructure and is never sold. No ads, no data brokers. Some processing happens offshore.
One-click wipe
Delete your account and every record instantly, cloud and local. No tickets, no waiting, no trace.
Certified infrastructure
Kleev runs on Supabase, and its AI analysis runs on Anthropic’s Claude. Your data lives in a dedicated Postgres database, and both providers maintain the industry’s most rigorous, independently audited security certifications.
Supabase
- SOC 2 Type II
- ISO 27001
Anthropic
- SOC 2 Type II
- ISO 27001:2022
- ISO/IEC 42001:2023
Please note that these are Supabase and Anthropic certifications. Kleev itself is not certified at the moment.
