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Budget Summary Generator

FinanceFree · Private

Turn categorized transactions into a short plain-English spending summary, written by a local AI model that only narrates numbers you already calculated — never invents figures.

Nothing is uploaded — all processing happens on your device. No receipt photo, statement, or transaction ever leaves this browser tab — OCR, categorization, and summaries all run locally via WebAssembly. This tool never connects to a bank account or moves money.

No categorized transactions yet

Run the Bank Statement Categorizer and save your transactions first — this tool summarizes that data.

How the summary stays accurate

Every number in the summary — category totals, the month-over-month percentage change — is calculated first with plain arithmetic on your actual transactions. That calculated text is handed to the local AI model as the only source of numbers it's allowed to use; it isn't asked to do any math itself. The output is then checked afterward, and if it mentions a figure that doesn't match what it was given, you'll see a warning.

Where does the data come from?

This tool reads whatever was last saved from theBank Statement Categorizer, stored locally in your browser. Run that tool first if you haven't yet.

Frequently Asked Questions

Where does the data come from?
Run the Bank Statement Categorizer first — this tool reads the categorized transactions it saved (locally, in your browser) and summarizes them. If nothing has been categorized yet, it will tell you to start there.
Can the AI make up numbers?
No — every dollar amount is calculated first with plain arithmetic on your real transactions, and the model is only allowed to narrate those pre-computed numbers in a prompt. The output is checked afterward and flagged if it mentions any figure that wasn't supplied.
Is this connected to my bank?
No. This tool only ever works with data you've manually provided (an exported statement CSV or a scanned receipt) — there is no account linking, live balance syncing, or payment functionality anywhere on Ghivo.