How to choose a personal-finance app in Thailand when you have a statement PDF and no bank password

You already have a Thai bank statement as a PDF, and you don't want to hand over a bank password or log in to the bank. That's the job. A spreadsheet does it by hand: you categorize the lines yourself. Expense tracking is why a monthly file lasts, including the cash the statement never sees. If the file is from Kasikornbank, the steps are in how to categorize a Kasikornbank PDF.

What you're deciding

You're deciding how a statement you already downloaded gets categorized, without a bank login. This page doesn't rank the apps. The names that come up for a personal-finance app in Thailand are Money Lover, Spendee, and MAKE by KBank. MeowJot, Budgy, HamJot, and Buxfer are a different set, in expense trackers for a Thai statement.

How the lines get in

Those three rows stop there on purpose. This guide has not re-checked how a Thai statement PDF gets into Money Lover, Spendee, or MAKE by KBank, so it doesn't invent a bank list, a price, or a rating. The side-by-side page is ThaiWealth, Money Lover, Spendee, and MAKE.

Questions worth asking

• Do you upload the PDF you already downloaded, or do you type a bank login?
• If the PDF is locked, that prompt is the file password, not your internet-banking password. The steps are in how to download a Thai bank statement.
• Cash you spent never shows on the statement. Expense tracking covers what to do with it.

A spreadsheet

A spreadsheet is enough for this job. You categorize the lines yourself, and you never type a bank password. It gets heavy when the typing piles up. That's the tracking guide, so this page won't repeat it.

ThaiWealth AI

You upload the PDF your bank already sends. There is no bank login and no bank password. A merchant the catalog already knows comes back with a category. The demo is a sample statement, already sorted, and nothing on that page connects to a bank. The plan is on the pricing page. This page doesn't print a price.