Now with AI-powered debt analysis

Your finances,
finally understood.

Upload your bank transactions and get instant clarity on where your money goes, how your debt is trending, and exactly what to do next. No spreadsheets. No guesswork.

Start for free → See it in action
9
Financial tools
0
Data sent to cloud
15+
Spending categories
AI
Insights included
How it works

Three steps to financial clarity.

Smata Systems gets out of your way and surfaces what matters fast.

📄
Step 01
Upload your transactions
Export a CSV from your bank — or connect directly via Plaid. Smata handles any format automatically, with multi-file support and smart duplicate removal.
⚡
Step 02
Instant categorization
Every transaction is sorted into 15 categories in seconds. Keyword-matched first, AI-assisted for anything unusual. You can train it with your own rules.
📈
Step 03
Explore your financial picture
Jump between Analytics, Debt Management, Budget, and Portfolio — your data flows between all tools automatically. No re-uploading, ever.
All tools included

Everything you need.
Nothing you don't.

Nine integrated tools that share your data and work together from day one.

Core
Transaction Categorizer
Upload any bank CSV and watch every transaction get sorted instantly. Flag duplicates, spot outliers, edit categories, and save custom rules. Plaid bank connections supported.
Analytics
Advanced Analytics
Year-over-year comparisons, recurring subscription detection, merchant analysis, heat maps, and day-of-week spending patterns. All interactive, all instant.
Debt
Debt Management
Your debt health scored from 0–100. Avalanche vs snowball strategy comparison with an interactive extra-payment slider. Timeline chart showing your path to debt-free.
Budget
Budget Analysis
Set category budgets, auto-generate suggestions from your spending history, and track month-over-month variance with rollover support.
Portfolio
Investment Tracker
Real-time stock prices, interactive candlestick charts, gain/loss tracking, and portfolio performance — powered by live market data.
Tax
Tax Center
Auto-tag tax-deductible transactions, generate year-end summaries by category, and export a full PDF tax report — ready for your accountant or filing software.
Trends
Spending Trends
Track rolling averages, detect category drift over time, and identify seasonal spending patterns across months and years.
Net Worth
Net Worth Tracker
Aggregate assets and liabilities, set financial goals with target dates, and visualize your net worth trajectory over time.
AI
AI Financial Assistant
Ask anything about your finances. Streaming AI responses with context about your spending patterns and financial goals. Guardrailed for financial safety.
By the numbers

Built to handle real data.

10K+
Transactions per session
IndexedDB storage, no limits
15
Spending categories
Fully customizable
100%
Private by default
Your data stays in your browser
3
AI providers supported
Multiple AI providers
Feature spotlight
72
/100
GOOD — Improving trend
Monthly payments (avg) $1,240
Interest (6-mo avg) $187 / mo
Est. payoff (avalanche) August 2026
Interest saved vs snowball $2,450

Debt analyzed.
Not just calculated.

Smata reads your transaction history to understand your real debt picture — not just what you type in.

  • ✓Auto-detects credit card accounts from your transactions — no manual entry required
  • ✓Scores your debt health on a 0-100 scale with trend tracking
  • ✓Compare avalanche vs snowball with an interactive extra-payment slider
  • ✓AI-generated insights stream directly into the page
  • ✓Multi-line debt timeline chart shows each account's path to zero
About us

About Smata Systems

At Smata Systems (Smart Data Systems), we believe everyone deserves to understand their finances. We built a comprehensive financial dashboard to help individuals and families take control of their money through AI-powered insights, real-time analytics, and intelligent automation. Because we understand the power of financial data firsthand, we also help businesses build the same intelligent financial solutions for their customers.

Our Mission

Empower individuals and businesses to make smarter financial decisions through intelligent data analysis and AI-powered insights — making financial clarity accessible to everyone.

Our Vision

A world where financial clarity is accessible to everyone — from individuals managing personal budgets to businesses building intelligent fintech platforms.

Pricing

Simple, honest pricing.

Start free and upgrade when you're ready. No hidden fees, no tricks.

Free
$0
Forever, no credit card needed
  • ✓ Transaction categorizer
  • ✓ Spending charts
  • ✓ Budget analysis
  • ✓ Net worth tracker
  • ✓ Up to 5,000 transactions
  • × AI Assistant
  • × Plaid bank connection
Get started free
Save 17%
Pro — Annual
$59
per year — 2 months free
  • ✓ Everything in Free
  • ✓ Unlimited transactions
  • ✓ AI Assistant
  • ✓ Plaid bank connection
  • ✓ Debt management center
  • ✓ Advanced analytics
  • ✓ Session history (database)
Start 14-day free trial
Pro — Monthly
$5.99
per month, cancel anytime
  • ✓ Everything in Free
  • ✓ Unlimited transactions
  • ✓ AI Assistant
  • ✓ Plaid bank connection
  • ✓ Debt management center
  • ✓ Advanced analytics
  • ✓ Session history (database)
Start 14-day free trial

Stop wondering.
Start knowing.

Upload a CSV and have your first financial insight in under a minute.

Start for free → Try the demo
Contact

Let's talk.

Questions, feedback, or ready to get started? We'd love to hear from you.

Reach us directly
📧
Email
info@smatasystems.com
📞
Phone
+1 (202) 552-1779
Follow us
Send us a message