Part of See Where It Goes
Bank statement budgeting
No Bank Login. Just Your Statement.
Download a CSV from your bank or wallet, bring it in, and check every row before it’s saved.
Free to use. Windows and Android. No bank login.
How it works
From Statement to Clear Numbers.
Three steps, about fifteen minutes a month.
Download the CSV
From your bank’s or wallet’s online banking, for last month. Only have a PDF? Lightning gives you instructions to turn it into a CSV with an AI assistant.
Import and Match
Choose Import CSV on the matching account. The usual columns are matched for you; anything else, once.
Review, Then Post
Answer once for each name, check possible duplicates, then post the ready rows.
The review
Nothing Is Saved Until You Say So.
Rows that need you come first. Possible duplicates are flagged. The rest are ready. On Android, the app reads your bank SMS into the same review.
Good questions
Statements, Answered
What to download, and what happens next.
Which banks and wallets work?
Any that give you a CSV file. Mohab’s sample year has CIB, Vodafone Cash, a cash wallet, an NBE certificate, THNDR and gold, so you can practise first.
My bank only gives a PDF. What now?
Lightning gives you ready-made instructions to turn the PDF into a CSV with an AI assistant, then you import it the same way.
What if I import the same month twice?
Rows that look like ones you already have are flagged as possible duplicates before anything is saved.
Is it safe?
The file stays on your computer. Lightning never asks for your bank login, and your statements are never uploaded anywhere. Where your data lives.
Can I try it without my own statements?
Yes. Download Mohab’s fictional 2026 sample pack from Downloads and import it into a sample profile.
Keep reading
Start with the whole picture, then the two nearest guides.
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