Your finances, finally understood.

Bring in your bank transactions and Smata sorts every one of them, then shows you where your money goes, how your debt is trending, and what to do next. No spreadsheets.

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Free plan, no credit card. Premium includes a 14-day trial.
$37,143 spent, sorted into 11 categories Sample household · Apr–Sep 2026
The Smata Transactions page showing $37,143 spent across 11 categories, with spending, income, daily average and anomaly totals, and the start of a category breakdown chart.
The Transactions page, after one CSV import. Sample data.

Bring your data however your bank hands it over.

Import once. Every tool in Smata reads the same transactions, so nothing gets re-uploaded or re-typed.

Bank CSV

Export from any bank or card. Smata detects the format, lines up dates and amounts, and shows you a preview before anything is saved.

Connect with Plaid Premium

Link your bank securely and refresh whenever you like. Only new and late-posting transactions come in, without creating duplicates.

PDF statements Premium

For banks with no CSV export, or history older than a bank connection reaches. You review every row before it's saved.

Every transaction, sorted.

Keyword rules sort every transaction. Add your own to file things your way, and your rules always win.

  • 15 categories, all customizable, with split transactions when one charge covers two things.
  • Anomaly review flags double charges, unusually large ones, frequency spikes and round-dollar amounts.
  • Your rules: correct a merchant once and Smata remembers it next time.
Transaction list grouped by day: Chipotle tagged Dining Out, Aldi and Costco tagged Groceries, an auto loan payment tagged Debt Payments, each with its amount.
Transactions, grouped by day, each with its category.Activity in the mobile app, each transaction with its category. Sample data.

Debt, analyzed from what you actually paid.

Smata reads your payment history to build your debt picture. You don't type it in from memory.

  • Debt health score from 0 to 100, with the trend behind it.
  • Avalanche vs. snowball, side by side, with an extra-payment slider and a debt-free date for each.
  • Payoff timeline showing each account's path to zero.
Debt health score of 75 out of 100, rated Good.
Snowball versus avalanche: debt-free in 37 versus 36 months, total interest $8,399 versus $6,978, and a note that avalanche saves $1,420 in interest.
Debt Management: health score and payoff strategies. Sample data.

Patterns you'd never spot in a statement.

Advanced Analytics finds every recurring charge, from the mortgage down to the streaming services you forgot you pay for, and adds up what they cost each month.

  • Recurring charges detected automatically, with an estimated monthly total.
  • Month and year comparisons that show what changed and by how much.
  • When and where: weekend vs. weekday, top merchants, and a spending heat map.
Recurring Subscriptions panel: 17 detected, estimated monthly cost $4,063.78, listing YouTube Premium $13.99, Spotify $11.99, NYTimes Digital $4.00 and Apple iCloud Storage $2.99.
The small recurring charges near the bottom of the list. Sample data.

Every tool works from the same numbers.

They share the same data from the moment you import, so your budget, your debt plan and your net worth always agree.

  • Transactions

    Import, categorize, review anomalies, and save custom rules.

  • Advanced Analytics

    Year-over-year comparisons, subscriptions, merchants, heat maps.

  • Cash Flow

    Money in against money out, with your savings rate and a projected balance.

  • Debt Management

    A health score, payoff strategies, and a timeline to debt-free.

  • Budget Analysis

    Category budgets suggested from your history, with rollover.

  • Spending Trends

    Rolling averages, category drift, and seasonal patterns.

  • Net Worth

    Assets and liabilities in one place, with goals and target dates.

  • Investment Portfolio

    Live prices, candlestick charts, and gain/loss on your holdings.

  • AI Assistant

    Ask questions in plain English and get answers from your own transactions.

Also keeping the books for a small business?

The same tools work for a side business or a small shop, and tax season gets a lot shorter.

  • Tax Center: tag tax-deductible transactions and see a year-end summary by category.
  • Reports for your accountant: a full PDF tax report, or a CSV, ready for filing software.
  • Statements and bills: pull transactions from PDF statements when there's no CSV.
  • Your own categories: teach Smata your vendors once and every import follows.
Tax Center: $3,506.88 total deductible across 56 transactions in 5 categories, with a breakdown by utilities, shopping, transportation, other and subscriptions.
Tax Center for the 2026 tax year. Sample data.

Simple, honest pricing.

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

Free
$0
Forever. No credit card needed.
  • Transaction categorizer (CSV)
  • Spending charts
  • Up to 250 transactions
  • AI Assistant
  • Not included in Free:
  • Saved history & bank sync
  • Advanced analytics, Net Worth, Budget & Debt
Get started free
Premium, annual Save 27%
$69.99/ year
3 months free compared with monthly.
  • Everything in Free
  • Unlimited transactions
  • AI Assistant
  • Advanced analytics
  • Net Worth, Budget & Debt
  • Spending trends
  • Plaid bank connection
  • Saved cloud history
Start 14-day free trial
Premium, monthly
$7.99/ month
Cancel anytime.
  • Everything in Free
  • Unlimited transactions
  • AI Assistant
  • Advanced analytics
  • Net Worth, Budget & Debt
  • Spending trends
  • Plaid bank connection
  • Saved cloud history
Start 14-day free trial

Built so anyone can understand their money.

Smata Systems (Smart Data Systems) exists because everyone deserves to understand their finances. We built one dashboard where individuals and families can see their money clearly, with visual analytics, AI-assisted insights, and an assistant that answers questions when you ask.

Working with financial data every day taught us how much it can do, so we also help businesses build financial tools for their own customers.

Private by default

Your data is encrypted and never sold. Read our privacy policy.

Read-only bank access

Bank connections go through Plaid and can't move money. See how we handle security.

Stop wondering.
Start knowing.

Upload a CSV and get your first insight in under a minute.

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