"Where has my money gone?"
Payday was two weeks ago and the balance doesn't add up. Sift reads your statement and tells you exactly which shops, subscriptions and habits took it — in one sentence, not a pie chart.
UK · Plain-English money
Upload a bank statement and Sift explains your spending the way a sharp friend would — then finds you real savings. No graphs. No bank logins. Save more than it costs, or don't pay.
Free forever for the basics · Pro £4.99/mo · cancel anytime
Sift says · June
You spent £197 more than normal this month.
£140 of it came from eating out — The Botanist and Greggs stood out — and £71 from extra Amazon orders. Groceries were actually £65 down.
Want me to find £386/month of savings?
How it works
CSV or PDF from any UK bank. Takes seconds. Nothing connects to your account.
Every transaction categorised, subscriptions spotted, and your month compared to what's normal for you.
"£96 came from eating out and £43 from extra Amazon orders. Want me to find £250/month?"
"I've got £600 until payday — plan my spending." Conversational answers from your own data.
Every recurring payment, its annual cost, and which ones to review first.
Concrete, ranked actions with £/month estimates: subscriptions, insurance, mobile, utilities, takeaways, Amazon.
Statement upload only — no bank logins, no open-banking consent. Delete your data any time.
Pricing
Start free and see exactly where your money went. Upgrade only when Sift has already found you more than £4.99 of savings.
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Find out where it went.
Sift Pro
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Sound familiar?
Payday was two weeks ago and the balance doesn't add up. Sift reads your statement and tells you exactly which shops, subscriptions and habits took it — in one sentence, not a pie chart.
Safe to spend works out your bills and what's already gone, then gives you one daily number to live by until the next payday.
Netflix, the gym you never go to, the app you forgot you trialled. Sift lists every recurring payment with its yearly cost so you can cancel the dead weight.
Need a hand exporting your statement? Guides for Monzo, Starling Bank, Barclays, HSBC, Lloyds Bank, NatWest — or see all guides.
FAQ
Upload one statement. Sift does the rest.