KAPOK is a personal-finance web tool that analyzes transaction history you import from bank CSV files, without requiring a bank connection or a traditional budget.
Bring the history
Export transactions from your bank as a CSV and choose the file yourself.
Make it usable
Review categories and reuse rules so the same cleanup doesn't become a monthly chore.
See the picture
Look past individual purchases to the patterns, recurring costs, and spending with room to change.
No daily budget to maintain
KAPOK is for periodic check-ins. A transaction tells you what happened once. A longer history can show you what tends to happen.
Learn how to understand spending without a traditional budget →
No bank connection required
Your financial data is imported from files you choose. KAPOK processes those files in your browser rather than requiring your bank credentials.
See the tradeoffs of tracking spending without bank linking →
Why the name KAPOK?
KAPOK is the foundation of a financial tool designed to help you understand the picture first. The fuller origin story can wait; for now, the name belongs to a tool built to help you start and finish the journey from raw transactions to something understandable.