KAPOK turns a bank transaction export into a financial picture you can actually explore. No transaction-by-transaction entry. No live bank connection. No traditional category budget to maintain.
Import your transaction history
Export transactions as a CSV from your bank and bring the file into KAPOK. It helps identify the Date, Description and Amount columns, lets you correct the mapping, and shows a preview before anything is committed.
Review and categorize
KAPOK includes common categories and automatic keyword rules. When something arrives uncategorized, you can assign it and create a reusable rule so matching transactions can be handled automatically next time.
If a large first import leaves many transactions to review, KAPOK can also build an optional prompt from unmatched merchant descriptions for you to copy into an outside AI assistant. Nothing is sent automatically.
Separate spending by flexibility
Categories tell you what you spent on. KAPOK also helps distinguish
- Essential — least likely to change
- Essential — flexible
- Discretionary — flexible
spending so you can see where change may realistically be possible.
See the picture over time
Explore money in, money out, net results, category totals, recurring patterns and the transactions behind those numbers. Change the date range when you want a different view.
KAPOK is designed for check-ins rather than constant monitoring. Add newer CSV exports when you want to update the picture.
Take your work with you
KAPOK can export a JSON backup containing your saved KAPOK data. That backup can restore your work in another browser or device running KAPOK. Treat the backup like financial information and store or transfer it accordingly.
KAPOK is almost ready.
We're testing KAPOK with more bank CSV formats before opening it for purchase. Want to know when it's ready?
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