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Free Smart Expense & Line-Item Categorizer

Auto-categorize bank statement lines into tax and accounting buckets. Free classifier with CSV upload and export.

Categorize bank & card lines

Paste expense lines or upload a CSV export. Each line gets a category and confidence score.

We read Description, Memo, Merchant, and similar columns automatically.

Coming soonToolYour API

Use Free Smart Expense & Line-Item Categorizer in your own app

The free Free Smart Expense & Line-Item Categorizer on this page works in your browser today. We're launching a developer API so you can run the same workflow from your website, mobile app, or internal tools — with API keys, monthly usage limits, and full documentation for registered developers.

  • REST APICall Free Smart Expense & Line-Item Categorizer programmatically — ideal for automation and product integrations.
  • API keysCreate keys in your dashboard, track usage, and rotate access when you need to.
  • Same tool, same qualityAPI output will match what you get from the free web version.
  • AI ToolsPart of ToolYour's AI Tools collection — one account for many tools as APIs roll out.

Interested in early access or volume limits for Free Smart Expense & Line-Item Categorizer? Create a free developer account — we'll notify you when this tool's API endpoint is available.

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Description

Freelancers and small business owners spend hours tagging bank exports before tax season. Paste one transaction per line, upload a CSV from your bank, or drop a TXT export. Each row is classified into categories like Software & SaaS, Travel & Transport, Office Supplies, Meals & Entertainment, Marketing, and Payroll. See per-line confidence scores, a category summary, and download everything as CSV for your accountant or bookkeeping software.

Frequently Asked Questions

What categories are supported?

Including Software & SaaS, Travel & Transport, Office Supplies, Office & Equipment, Meals & Entertainment, Marketing & Advertising, Contractors & Freelancers, Professional Services, Insurance, Utilities, Rent & Facilities, Bank & Payment Fees, Payroll & HR, Materials & Inventory, and Other.

Can I upload a CSV file?

Yes. Switch to Upload CSV and attach a bank or card export. The tool reads Description, Memo, Merchant, and similar columns automatically.

What format should I paste?

One transaction per line. You can paste raw CSV rows or plain descriptions like AWS monthly bill 49.00 or Uber ride client meeting.

Can I export the results?

Yes. After categorization, click Download CSV to get line, category, and confidence columns.

How accurate is it?

Common merchant names and descriptions classify well. Unusual or vague lines may need manual review. Check confidence scores below 70%.

Is this a replacement for an accountant?

No. It speeds up initial tagging. Always verify categories for tax and compliance with a qualified professional.

Key Features

Paste or upload CSV

Paste lines manually or upload a bank CSV, TXT, or TSV export.

Batch line processing

Process dozens or hundreds of transactions in one run.

Confidence per line

See how certain the classifier is for each transaction.

Category summary

Quick counts per bucket, with dollar totals when amounts are detected in your export.

Amount parsing

Reads Amount, Debit, and Credit columns from CSV exports and rolls up totals by category.

CSV download

Export categorized lines for Excel, QuickBooks, or your accountant.

How it works

Add transactions

Paste lines from your bank export or upload a CSV file.

Categorize

Run the classifier to assign accounting buckets and confidence scores.

Download CSV

Export results for bookkeeping, taxes, or further editing in Excel.

Freelancer workflow tip

Export card transactions monthly, run them through this tool, download CSV, and import into your spreadsheet template. Fix low-confidence rows manually once. Patterns often repeat next month.

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