Automatic categorization
Bilance turns raw bank data into a readable record of your money, automatically. Transactions sync in from your connected banks, titles get cleaned ("CARD PURCHASE 12345 AMAZON EU SARL" becomes "Amazon"), and every transaction lands in a category the moment it arrives. You never sort a month of spending by hand; you only correct the occasional miss, and each correction teaches Bilance your life.
How it works
When a transaction syncs in, two things happen before you see it. The title is cleaned: the codes and legal names banks attach are replaced with the merchant you would actually say out loud, so the feed reads Amazon, Bolt, your local grocery — not "POS TERMINAL 4471". And a category is assigned, from a built-in set covering everyday money life.
When something lands wrong, correcting it is the whole job: swipe to recategorize, or select several transactions and fix them at once. Bilance learns from every correction, so your gym, your landlord and your corner café are categorized right after a correction or two — it learns your spending, not a generic one.
Custom categories
The category system bends to your life, not the other way around. You can create your own categories and subcategories next to the built-in ones, and hide built-in categories you never use. Custom categories are not a cosmetic layer: they work everywhere Bilance speaks categories — budgets, spending analytics, AI Chat, and Shared Finances, where they apply across shared data too. Renaming or deleting a custom category offers to reassign its transactions, so history stays consistent.
For things that cut across categories — a trip, reimbursable work expenses — tags label transactions independently of their category and work in every filter and in budget rules.
A feed you will actually read
Clean titles and right categories make the Dashboard feed something people actually scroll: one chronological record across all your accounts, with search, filters by period, account, category and tags, notes and attachments on any transaction, and splitting one purchase across several categories. Internal transfers are their own transaction type, so moving money between your own accounts never counts as spending. Manual accounts (like cash) sit next to the 2,300+ connectable banks, so the record can be complete.
Trustworthy categories are what make the rest of Bilance worth believing: the Overview spending breakdowns, budget progress, the Monthly report and AI Chat answers are all only as good as the categorization underneath them.
Honest limits
Categorization is automatic, not psychic: after a big first sync some transactions can sit uncategorized briefly, and an unusual merchant can land wrong until you correct it once. Manual transactions can only be added on manual accounts — bank accounts stay true to what the bank reports. Splitting a transaction distributes its amount across categories but does not create separate transactions.
Frequently asked questions
Can I create my own categories in Bilance?
Yes. You can add custom categories and subcategories next to the built-in set, hide built-in ones you never use, and your custom categories work everywhere: budgets, analytics, AI Chat and Shared Finances.
What happens when a transaction is categorized wrong?
Correct it: swipe the transaction to recategorize, or edit several at once with multi-select. Every correction teaches the model, so the same merchant lands in the right category next time.
Do transfers between my own accounts count as spending?
No. Internal transfers are a distinct transaction type in Bilance, so moving money between your own accounts never shows up as spending or income.
See your own spending, sorted
Connect your banks and watch the last months categorize themselves — set up in about 2 minutes.
