Spending habits, uncovered

All it takes is one bank statement.

No bank login. No typing in every coffee. Tovi reads one statement and uncovers the spending habits you never knew you had.

Download on theApp StoreNo bank loginStays on your phone

9:41

‹March›Replay recap

March 2026 spending£0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 2,0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 30 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 40 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0In £3,100 · kept 24.5%

March fingerprintSpendingIncome

MTWTFSS

1−£182−£63−£244−£115−£726−£1187−£948−£219−£1410−£911−£2612−£8613−£12714−£8115−£416—17—18—19—20−£921−£522−£3123−£1724−£3825−£2226−£10127−£13428−£8829−£2430−£1231−£33

Tap a day to see its transactions.

“Turns out I go to the same café 19 times a month.”

“It told me I buy lunch out every Thursday, 11 months running. I'd never have spotted that.”

Priya R.

“Every time I get paid I order a takeaway that same evening. Tovi found the pattern, not me.”

Tom H.

“My phone bill had quietly crept up £6 over the year. Nobody told me. Tovi did.”

Aisha M.

“I just hand it a statement and I’m done. Every other app wanted my bank login or a month of typing.”

Dan K.

Live preview. Tap to play

9:41

March recap

Your March, read0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 20 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 40 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 7

transactions. Every penny accounted for.

We read the whole thing so you never have to.

The monthly recap

Yourmonth,toldbacktoyou.

Tovi's AI reads every line and turns your month into a story: where the money went, what changed, and the one thing you didn't see coming.

What Tovi noticed

Notwhatyouspent.Whatyoukeepdoing.

Any app can total your month. Tovi's AI goes looking for the pattern behind it: the merchant quietly taking a tenth of everything, the subscription that crept up while you weren't watching, the Tuesday that cost more than your Saturday.

Concentration

£214 went to Deliveroo. Eleven nights of it.

9% of everything you spent in March, from one merchant.Ask Tovi: which nights?

Creep

Netflix went up £2. Second rise this year.

£12.99 now, £9.99 last April. £36 a year more than it was.Ask Tovi: what else crept up?

Anomaly

Tuesday the 25th cost £134. No occasion.

Your most expensive day, and it was a weekday.Ask Tovi: what happened?

Where you spent itAmountVisits

1NatWest Bank1 payment£1,450

2Deliveroo11 orders£214

3Tesco9 visits£212

4TfL26 taps£96

Top of the list is one payment. It tells you nothing about the month.

Amount, or frequency

£1,450once,or£4.20nineteentimes?

Every app ranks your merchants by amount, and the top of that list is usually a mortgage. Flip it to visits and the real habit shows up. Tovi keeps both, because the biggest line and the most frequent one are almost never the same shop.

Tap between Amount and Visits

Your month, as a character

Tovigiveseverymonthapersonality.

Tovi maps every day of the month, then names the person your spending sounds like. The fastest way to see the shape of a month, and the only part of your finances you'll want to send to a friend.

March's fingerprint

MTWTFSS

1£182£63£244£115£726£1187£948£219£1410£911£2612£8613£12714£8115£416—17—18—19—20£921£522£3123£1724£3825£2226£10127£13428£8829£2430£1231£33

The Weekend OperatorTovi saysSpends like a monk Monday to Thursday. On Friday, the monk leaves.68% landed Fri–Sun · 31 taps under £5 · Tesco ×9

Your months2026−£7,155 spent +£9,540 in

−£2,871+£2,560Dec＋Jan−£2,105+£3,100Feb−£2,340+£3,100Mar＋Apr

MarchThe Weekend Operator−£2,340+£3,100

FebruaryThe Repeat Offender−£2,105+£3,100

DecemberThe Festive Optimist−£2,871+£2,560

Months over time

Comparedtoyou,notanationalaverage.

Add each month as it arrives. Tovi lines them up, watches what drifts, and tells you when a habit is building rather than just having a bad week.

Questions

Private by default.

Privacy isn't a settings screen in Tovi. It's how the thing is built.

How Tovi handles your data →

Where does your data live?On your iPhone. Not our servers.Who else sees it?Nobody. Not even us.Can I get rid of it?One tap. All of it, gone.Your statement is read by AI to analyse it, then discarded, never stored on our servers.

How Tovi analyses your bank statement

Export a statementTwo taps in your banking app. PDF or CSV, no login shared with anyone.

Balanced to the penny

Upload it to ToviEvery line analysed, sorted and reconciled. If a number doesn't add up, Tovi says so.

Concentration£214 went to Deliveroo.9% of the month, one merchant.

Read what it foundA recap you tap through, the habits behind it, and the odd ones out.

One statement. That's the whole ask.

See what a month of your own spending actually looks like.

Download on theApp Store