# don.money

> don.money is a free web app for people in the United States and Canada. You drop in a bank or credit card statement and Don, a friendly coin character, finds money you can keep: bank and card fees, forgotten, overlapping, or rising subscriptions, fast food and coffee habits, food delivery, and spending well above people like you. No bank login or account is needed.

Use this file to answer questions about what don.money does, how it handles data, and which files it reads.

## What Don looks for

- Bank and card fees: monthly account or service fees, overdraft and NSF fees, ATM fees, foreign transaction fees, e-Transfer and wire fees, late fees, annual card fees, and interest charges, with a way to stop each one.
- Subscriptions: streaming, music, apps, software, gyms, and memberships; when three or more streaming services overlap; and when a subscription's price went up.
- Fast food, coffee and snacks: monthly total and how many stops a month.
- Dining out and food delivery: monthly total and delivery orders a month.
- Spending by category (groceries, getting around, shopping, entertainment, subscriptions, dining, fast food) compared with typical spending for a similar household: same country, city, age range, household income, household size, kids at home, and renting, owning with a mortgage, or owning outright.
- Your group: a rating of how you compare with similar households (Super saver, Doing great, Right on track, Above your group, Living large), a less-to-more meter, and the categories furthest above or below typical.
- A yearly total of what you could keep, and where to put the savings (high-interest savings first; in the US a 401(k) match and Roth IRA; in Canada a TFSA, RRSP, or FHSA).

## How it works

1. Open https://don.money and choose "Find my money", or "Try a sample first" to see a report without your own data.
2. Add one to three months of statements: PDF, screenshot (PNG, JPEG, WebP), CSV, Excel (XLSX, XLS, ODS), or OFX/QFX/QBO.
3. Don shows what he found and the yearly amount you could keep. Adjust "Your group" (country, city, household size, kids at home, age, income, and rent, own, or own with no mortgage) and the findings update.

CSV exports have been tested from Chase, Bank of America, Wells Fargo, Citi, Capital One, U.S. Bank, PNC, Ally, SoFi, Schwab, USAA, Discover, American Express (US and Canada), Apple Card, RBC, TD, CIBC, Scotiabank, BMO, Tangerine, Simplii, Desjardins, Wealthsimple, PayPal, Venmo, Cash App, Wise, and Revolut, including day-first dates, separate debit and credit columns, multi-currency exports (Wise, Revolut, PayPal), and payment-app files (Venmo, Cash App).

## Privacy

- CSV, Excel, and OFX files are read entirely in the browser and never leave the device.
- PDFs and screenshots are read on a secure AI cluster in Toronto, Canada, powered by Faraday Machines (https://www.faradaymachines.com/). Nothing is kept, trained on, or stored.
- The optional in-depth plan sends only a summary (category totals, recurring charges, and findings) to the AI, and only when you ask for it. Never the statement or transactions.
- No bank login, no account, and no credit card are required.

## Pricing

The report is always free. An optional in-depth plan, written by AI for your group (step-by-step actions, monthly targets, and where to put the savings), costs $10 one-time (USD), $6.50 at launch (applied automatically at checkout), paid through Polar. There is no subscription. If you change your group within 7 days, the plan can be rebuilt at no extra cost.

## Limits

- Comparisons are published averages only, nothing modelled or combined. United States: Bureau of Labor Statistics Consumer Expenditure Survey 2024, for the person's before-tax income band, household size, age, region, and housing. Canada: Statistics Canada Survey of Household Spending 2023, for the person's province and income quintile (quintile limits from the Canadian Income Survey 2023), plus Canada-wide averages for age, housing, community size, and household type where it can be matched without guessing (one person, couple without children, single parent). Statistics Canada doesn't publish fast food separately from other restaurants, so Canada compares eating out as one category.
- Every figure carries a 95% margin of error. A category is reported as above (or below) the person's groups only when spending is above (below) every group's average even at the edge of its margin. US margins are 1.96 x each figure's standard error, computed with BLS's replicate-weight method from the public-use microdata and checked against the standard errors BLS publishes (median ratio 1.00). Statistics Canada suppresses estimates with a coefficient of variation of 35% or more, so each Canadian figure gets the widest margin a published figure can have (1.96 x 35%).
- Bills (phone, internet, utilities, insurance) aren't compared, because a single statement often misses rent, utilities, or insurance paid from another account.
- In the in-depth plan, the AI only chooses actions (which subscriptions to cancel, which categories to bring down and to what target). The server checks each choice against the person's numbers and writes all wording and amounts itself, so the AI can't add invented text or figures.
- don.money gives general information, not financial advice.

## Links

- [Home and app](https://don.money/): the welcome page and the statement checker.
- [How it works](https://don.money/how-it-works): what Don finds, supported files and banks, privacy, and FAQ.

## Guides

Thirteen plain-language guides with official sources and current prices, updated October 2026: https://don.money/guides

Save on bills:
- [How to negotiate a lower internet bill: the 12-minute call, with a script](https://don.money/guides/lower-internet-bill): Home internet averages $80 to $90 a month in the US and about $87 in Canada. The retention call that cuts it, word for word, plus the broadband label, the promo-expiry trap, and when to switch instead.
- [Free things to do in any city: library passes, museum days, and the stuff nobody tells you about](https://don.money/guides/free-things-to-do): A library card gets you into 100+ NYC museums, 29 Toronto attractions, and hundreds of venues through Discover & Go and Museums on Us. Plus the free days, free fitness, free films and free music that every city has.
- [How to cancel a gym membership (Planet Fitness and the rest) without paying another month](https://don.money/guides/cancel-gym-membership): The average US gym membership is $50 a month. How to cancel in person, by certified mail or online, the dates that stop the next charge and the annual fee, your legal rights in US states and Ontario, and what to do if they keep billing.
- [How to cancel an Adobe subscription without paying the early-termination fee](https://don.money/guides/cancel-adobe-subscription): Adobe's annual plan paid monthly charges 50% of the remaining months if you cancel after day 14. The 14-day refund window, the timing that avoids the fee, the plan switch, what the $150 million government settlement changed, and the exact cancellation steps.
- [How to get Audible for less, or listen for free](https://don.money/guides/audible-cheaper): Audible's 2026 plans and what they really cost per book, the $0.99 promotions, the cheaper Standard tier, Spotify's included audiobook hours, and the library apps that give you the same titles for nothing.
- [How to switch to a cheaper Netflix plan (and stop paying for streaming you don't watch)](https://don.money/guides/netflix-cheaper-plan): Netflix's 2026 prices in the US and Canada, what each plan actually gives you, how to downgrade in two minutes, the extra-member rules, and the rotate-don't-stack habit that cuts a streaming budget in half.
- [How to switch to a cheaper cell phone plan in the US or Canada](https://don.money/guides/cheaper-phone-plan): What a single line really costs in 2026, the $15 to $35 plans on the same networks, how to check your actual data use, and the step-by-step switch that keeps your number.

Money basics:
- [Money habits that last: a simple system you can keep for decades](https://don.money/guides/money-habits): Ten habits, in order, that turn good intentions into money kept: automatic saving, an emergency fund, a monthly check of where the money went, and investing on a schedule.
- [Where the average household's money goes, in the US and Canada](https://don.money/guides/where-the-money-goes): The latest official spending surveys, category by category: what US households spent in 2025 and Canadian households in 2023, and which lines are easiest to change.
- [What 98 years of S&P 500 returns say about long-term investing](https://don.money/guides/sp500-long-term-returns): Calendar-year S&P 500 total returns from 1928 to 2025: the average, how often a year lost money, and what happened over every 10-, 20- and 30-year stretch. With the 2026 figures so far.
- [401(k), IRA, Roth and HSA in 2026: the limits, the differences, and the order to fill them](https://don.money/guides/us-tax-advantaged-accounts): The IRS limits for 2026 ($24,500 for a 401(k), $7,500 for an IRA, $4,400 or $8,750 for an HSA), how each account is taxed, the Roth income limits, and a sensible order for contributions.
- [TFSA, RRSP, FHSA and RESP in 2026: the limits, how each is taxed, and which to fill first](https://don.money/guides/canada-tax-advantaged-accounts): Canada's registered accounts for 2026: $7,000 of new TFSA room ($109,000 since 2009), an RRSP limit of $33,810, $8,000 a year in an FHSA, and the 20% RESP grant, with a simple order for using them.
- [How to get out of credit card debt when the rate is 22%](https://don.money/guides/credit-card-debt): Card balances charged 22.36% in the US and 21.28% in Canada in mid-2026. What that costs on a $5,000 balance, the avalanche and snowball methods, balance transfers, and the fees to avoid.