The loop · 03 · Cashflow

See what you actually spend, against your plan.

Upload a bank or card statement. Perfingo turns it into categorised transactions and measures your real spending against the plan's targets. No bank logins, no third-party connectors.

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Where your money goes

Every dollar, categorised and compared.

The plan sets a monthly target for each band. Cashflow shows what you actually spent against it, and flags any band that's over or under.

Your statement is the integrationUpload a PDF, no bank logins, no third-party connectors. Scanned or photographed statements work too.

Spend breakdownHousing, Groceries, Dining, Insurance and the rest: every dollar placed.

Budget vs actualThe plan's monthly targets vs what you really spent, with over/under flags.

Cashflow · Aug 2026dbs-statement-2026-08.pdf

Import statementUpload a PDF. Your statement is the integration. No bank logins.

S$5,800spent

GroceriesS$760 / S$800

S$40 left this month

DiningS$660 / S$600

S$60 over

InsuranceS$540 / S$540

On target

Upcoming from your plan · Home renovation, 2028 · S$60,000, split 50/50 · Life policy · S$200/mo

Illustrative figures from the app's demo household.

How import works

From a PDF to a budget, in three steps.

No linking your bank. No handing your logins to a third party. Just the statement you already download every month.

Upload a statement

Upload a bank, card or brokerage PDF. Some layouts have their own reader: DBS and POSB debit, PayLah!, UOB accounts and cards, OCBC 360, Trust, GXS FlexiCard, Citi cards, Moomoo, Syfe and Tiger. Other layouts, including scanned and photographed statements, are read by AI.

We categorise it

Transactions are sorted into spending bands and matched to familiar SG merchants: NTUC FairPrice, Grab, SP Group, Foodpanda.

Measured against your plan

Each band lands next to the plan's monthly target, so you see under or over at a glance.

Brokerage statements too

Your broker's PDF, read the same way.

A statement from Moomoo, Syfe or Tiger becomes positions and trades on your Investment tab, starting from your real cost basis instead of numbers typed from memory.

Positions and the trades behind themEvery buy and sell lands as its own dated row. That ledger is what lets Perfingo work out your true return and realised P/L, instead of guessing from a closing balance.

Deduped and nettedUpload an overlapping month and nothing double-counts. Already-imported rows are matched and skipped. Buys and sells net against the position.

Nothing is dropped quietlyIf a row can't be placed, say one priced in a currency the statement gives no rate for, it's held back and named in the preview so you can settle it.

Why no bank connectors? Linking accounts means handing over your banking credentials and giving a middleman standing access to your data. A statement PDF involves neither. You choose one file, share it once, and that's enough for a full picture of where your money went.

Keep going

The rest of the loop

Cashflow is one of four steps. Together, they turn your plan into a monthly routine.

01 · Plan

See your real spending against your plan.

Stop guessing where the money went. Import a statement and see it against your plan.

Start your 14-day free trial See pricing