Expense Sorted is an AI expense categorization tool for personal finance organization, and its core idea is to hand bank-exported CSV files to the user's own AI agent for processing, rather than relying on a cloud-based bookkeeping service.
Purpose It is mainly used for monthly expense organization: after importing a bank-exported CSV locally, it automatically categorizes each transaction and lets the AI agent answer questions such as "where did my money go" based on complete, correctly categorized data. The official offering also provides related templates and ideas for calculating a "financial freedom runway" (how many months of free time it can support) and for portfolio tracking.
Main capabilities
- Automatic transaction categorization: supports smart rules, and the Pro version provides local AI categorization, which is officially described as running a small machine learning model on the machine, learning the user's own merchants and maintaining consistent categorization, without relying on tokens and without drifting.
- Collaboration with AI agents: can connect to Claude, ChatGPT, Cursor, etc., allowing agents to perform imports, categorization, and answer spending questions; Pro provides MCP tools for AI agents.
- Local database: transaction data is stored in a database on the user's computer and can be backed up, moved, or viewed at any time; the official offering says there is no cloud financial vault.
- Semantic search: the Pro version supports finding transactions by meaning.
- Desktop app: provides macOS and Windows desktop apps.
- Portfolio tracking: the official offering mentions importing brokerage statements and privately tracking performance in Local, or starting with the free Sheet template.
- Additional content: provides a runway calculator, as well as resources such as a free Google Sheets template, budget spreadsheet templates, and investment tracking templates.
How to use Generally: export a CSV from the bank and import it into Expense Sorted; the data is stored locally; connect Claude, ChatGPT, or Cursor once, and then you can directly ask the agent to "categorize my expenses" or "where did my money go." The official offering provides a migration entry point (/migrate); if you previously purchased Sheets Pro or the Chrome extension, you can check the purchase email to get in-app Pro. The free alternative is the Google Sheets template, which contains only customizable formulas, takes about 3 minutes to set up, and requires no installation.
Applicable scenarios Suitable for individual users who want to organize monthly expenses, calculate their personal "financial freedom runway," and value keeping data local; small business expense tracking is also mentioned as a use case.
Limitations and notes The official offeringemphasizes that data is not uploaded to the cloud and runs locally; AI chat itself has limited memory and is not suitable for directly processing thousands of transaction rows for an entire year, so this tool's reliable categorization is needed. On pricing: a 14-day free trial (no credit card required), Local Pro is a $49 one-time lifetime license, and the free option is the Sheet template. Details such as the specific range of bank CSV compatibility, system requirements, and refund policy are not yet provided.
Category It belongs to AI tools related to personal finance and expense organization, with main functions being transaction categorization and AI agent collaboration, and is classified under other AI tools.
