Effortless uploads
Drag in statements from any bank. Models pull merchants, dates, and amounts — you never re-type a row or fight column breaks from a bad export.
AI Credit Card Intelligence
See the full picture of every card you carry.
Upload PDF statements from any issuer. Bilpae extracts merchants, dates, and amounts, then charts your spend, surfaces subscriptions, and flags what deserves attention — without rebuilding your life in a spreadsheet.
Secure workspace
Multi-card portfolio
AI insights
app.bilpae.com/dashboard
Live product UI — dark dashboard with spend trajectory, subscription totals, and prioritized AI actions (including payment due alerts and savings suggestions).
At a glance
Net spend
Trend vs last period, per currency.
Coverage
All statements
Every line item, searchable.
Subscriptions
Recurring radar
Catch duplicates & creep.
Actions
AI insights
Urgent, forecast, save money.
Everything you wish your statement PDF already was
Raw uploads in — structured intelligence out. Six capabilities below; scroll the product tour next for the full UI.
Spend Intelligence
Category trends, period comparisons, and merchant concentration — tuned for real credit-card cycles, not generic “budget app” buckets.
Statements, decoded
Browse every posting with context. Jump from totals to line items without squinting at scanned pages or five PDF tabs.
Recurring radar
Spot subscriptions and repeating charges before they quietly stack up across cards — green “save money” hints when something looks idle.
AI Insights
Payment-due urgency, spend vs average, anomalies, and duplicates — summarized in cards you can act on, not buried on page seven.
Portfolio view
Sidebar navigation mirrors how you work: Upload, Statements, Spend Intelligence, Recurring, AI Insights, Portfolio, Billing — one workspace.
Product tour
Real screens from Bilpae: one workspace for statements, spend, recurring charges, AI priorities, and portfolio context.
Dashboard
Your financial intelligence at a glance
Net spend, statement coverage, subscription totals, and open AI actions sit up front — with a multi-month spending trend so you spot pace and spikes without opening another tab.
app.bilpae.com/dashboard
Statements
Every card, every period — one ledger
Filter by issuer, due window, or status; see totals, minimum payments, and completion progress; visualize spend by card and month — plus gentle alerts when coverage looks incomplete.
app.bilpae.com/statements
Spend Intelligence
Drill into merchants, categories, and cadence
Search and slice transactions across cards; group by merchant; compare periods — with AI strip summaries calling out spikes, fastest-growing categories, and where spend concentrates.
app.bilpae.com/spend-intelligence
Recurring
Subscriptions, bills, and installments — detected
See normalized monthly outflow, yearly projections, and installment runway; flip between subscriptions, bills, and plans — each row ties back to the card it hits and whether it still looks active.
app.bilpae.com/recurring
AI Insights
Prioritized actions — not a wall of charts
Critical, warning, and suggestion tiers bubble what matters first; expand an insight for plain-language rationale plus supporting numbers, then jump straight into review or cleanup flows.
app.bilpae.com/ai-insights
Portfolio
Beyond cards — income, net worth, and health score
Track tabs for overview, income, assets, loans, and budgets; the overview blends KPI cards with a financial health score and charts for income vs. spending plus asset mix — grounded in your own entries.
app.bilpae.com/portfolio
Ready for your own data? Create an account and upload your first statement.
From inbox clutter to clarity in three moves
No manual categorization marathon. The product is designed around the way cardholders actually reconcile.
01
Drop your PDFs
Statements you already get by email become the source of truth. We handle multi-page docs and messy layouts.
02
Watch the map form
Dashboard metrics, trends, and lists populate automatically. Switch statement periods without losing the thread.
03
Act on AI priorities
Urgent alerts, forecasts, and savings nuggets surface on the right — so you fix what matters first.
People who read the fine print — on their own terms
Early users use Bilpae to audit spend, prep for taxes, and finally trust their own numbers.
★★★★★
“I run three cards for points play. Bilpae is the first tool that doesn’t make me export CSVs from three different portals. The recurring view alone paid for my attention.”
Maya K.
Finance ops lead, Toronto
★★★★★
“Upload a PDF, get structured data. I used to lose Sundays to spreadsheets. Now I reconcile in under an hour and actually discuss trends with my partner instead of arguing about totals.”
James R.
Product designer, Austin
★★★★★
“The AI flags caught a duplicate charge I’d have missed until next month. That single alert made the whole signup worth it — everything else feels like bonus depth.”
Sofia L.
Consultant, Lisbon
Your statements are sitting in your inbox anyway.
Put them to work — secure workspace, clear insights, no manual data entry spiral.