Your bank
statement is
hiding money
from you.
Upload one PDF bank statement — no bank login, no account to create. Get a full breakdown of every subscription and recurring charge in 60 seconds.
No bank linking · Never stored · 30-day refund · 🇦🇺 Built in Australia
Monthly subscriptions detected
= $1,773/year
Adobe Creative Cloud
software · active
Netflix
streaming · active
Headspace
fitness · cancelled — was charging
Spotify
music · active
+ 8 more subscriptions detected
Quick estimate
How much are you
losing right now?
Studies show the average person underestimates their subscription spend by 40%. Use the estimator to see your likely bleed — then get the exact number for $9.99.
Estimated monthly spend
$108
at avg $18 each
Likely forgotten (30%)
$32/mo
= $384/year wasted
Get started
Unlock your full analysis
Most people are bleeding money
and don't even know it
The average Australian wastes $30–80 every month on subscriptions they forgot about, free trials that quietly started charging, and "small" recurring fees that add up to hundreds a year.
The problem isn't that you're careless. It's that your bank statement is a wall of text designed to be ignored. Buried in there is a clear picture of where your money goes — you just can't see it.
Sift pulls it out for you in seconds.
How it works
Three steps. About sixty seconds.
Download your statement
Open your bank's app or website and download your latest statement as a PDF. CommBank, ANZ, Westpac, NAB, ING, Macquarie — any Australian bank works. Takes 30 seconds.
Upload the PDF here
Drop it into Sift. No account to create, no bank login, nothing to connect. Your statement is processed in memory and discarded the moment your results appear — it is never stored.
See your full breakdown
Every subscription detected, every category tallied, every dollar accounted for. Ranked by what's costing you most, with your total monthly and annual spend calculated.
Why Sift
The only tool that doesn't
ask for your bank login.
| Sift | Open Banking Apps | Manual / Spreadsheet | |
|---|---|---|---|
| No bank login required | |||
| One-time payment | |||
| Works with any AU bank | Varies | ||
| Automatic subscription detection | |||
| Results in under 60 seconds | |||
| Statement never stored | Varies |
“I'm Zion, a developer in Perth who got frustrated watching subscriptions quietly drain my account month after month. Every tool I tried wanted my bank login. So I built something that didn't. One PDF upload, 60 seconds, nothing stored.”
Zion — Founder, Sift
Perth, Western Australia 🇦🇺
Privacy first
The one that doesn't ask
for your bank login
Every other money app wants your online banking credentials. Sift doesn't. You upload a PDF — the same statement you download yourself — and that's it.
No bank linking, ever
We never ask for your banking login. You stay in control.
Never stored
Your statement is processed in memory and discarded. We never keep or sell your data.
Built in Australia
Made for Australian bank statements, by an Australian in Perth.
Instant & private
Results in 60 seconds. No waiting, no inbox spam, nothing to sign up for.
Early users
What early users found
“Found $47/month going to subscriptions I'd completely forgotten about. Paid for itself about a hundred times over.”
James K.
Sydney, NSW
“I connect zero apps to my bank. This was the first money tool I actually trusted enough to use.”
Sarah M.
Melbourne, VIC
“Took under a minute and showed me exactly where my pay disappears to each month.”
Tom R.
Brisbane, QLD
The price
$9.99. Once. That's it.
A financial advisor charges $200+ an hour to look at your spending. Budgeting apps charge $10–15 every month, forever — and most want your bank login to do it.
Sift is $9.99, one time. No subscription. No account to cancel later.
If Sift surfaces just one forgotten $15/month subscription, you've made your money back on the first analysis — and saved $180 over the next year.
30-Day Money-Back Guarantee
If Sift doesn't show you something useful about your spending, email us within 30 days and we'll refund you. No questions.
Questions
FAQ
Is my data safe?+
Yes. Your statement is processed in memory and discarded immediately — we don't store it and we never sell your data. There's no bank linking, so we never see or touch your banking credentials.
Do I have to connect my bank account?+
No, and that's the whole point. You upload a PDF statement you download yourself from your online banking. Sift never asks for your login.
What banks does it work with?+
Any Australian bank statement you can download as a PDF — CommBank, ANZ, Westpac, NAB, ING, Macquarie, and more.
Is it really a one-time payment?+
Yes. $9.99 for one full analysis. No subscription, no recurring charges, nothing to cancel.
What format do I upload?+
A PDF bank statement — the standard export from your online banking or banking app.
How long does it take?+
Around 60 seconds from upload to results.
Find out what your
statement's been hiding
One upload. Sixty seconds. Every hidden subscription, surfaced.
$9.99, money-back guaranteed.
No bank linking · Nothing stored · 30-day refund · 🇦🇺 Built in Perth, Australia