Your bank lets you export transactions as CSV. Most analysis tools want you to upload that file to their servers. PondPilot doesn’t — your financial data stays on your machine, period.
Query Your Bank Statements with SQL
Export your transactions from your bank, drop the CSV into PondPilot, and start asking questions:
SELECT
strftime(date, '%Y-%m') as month,
SUM(CASE WHEN amount < 0 THEN amount ELSE 0 END) as spending,
SUM(CASE WHEN amount > 0 THEN amount ELSE 0 END) as income
FROM transactions.csv
GROUP BY month
ORDER BY month;
Categorize Spending
Use SQL pattern matching to tag transactions:
SELECT *,
CASE
WHEN description ILIKE '%grocery%' OR description ILIKE '%whole foods%' THEN 'Groceries'
WHEN description ILIKE '%uber%' OR description ILIKE '%lyft%' THEN 'Transport'
WHEN description ILIKE '%netflix%' OR description ILIKE '%spotify%' THEN 'Subscriptions'
ELSE 'Other'
END as category
FROM transactions.csv;
No proprietary categorization engine. You control the rules.
Why Privacy Matters Here
Financial data is some of the most sensitive data you have. SaaS budgeting tools like Mint (RIP) or YNAB require full access to your accounts or uploaded transaction files. PondPilot runs entirely in your browser using DuckDB WebAssembly. Zero servers, zero data collection.
Combine Multiple Accounts
Export CSVs from different banks and query them together. Compare spending across accounts, track net worth over time, or reconcile credit card statements against bank debits.
Works Offline
Install PondPilot as a PWA. Analyze your finances on a flight, in a café, or anywhere you’d rather not be on a network while looking at your bank data.
Start Analyzing
Open PondPilot and drop in your first bank export. It’s free, open source, and your data stays yours.