A monthly report of your money that writes itself
Everyone means to review their money once a month. Almost nobody does, because the review has to be assembled before it can be read — statements pulled, numbers added up, categories sorted. Skycopia's Monthly Smart Report does the assembling: income, expenses, net, what's new, what needs attention, and what you won, built straight from your bank transactions. You just read it.
Real numbers from one user's own account, July 2026. Your waste will vary — that's the point of the audit.
The monthly money review, minus the part that kills it
A monthly review is genuinely one of the highest-leverage money habits: it's how you catch the subscription that raised its price, the merchant that double-charged you, the month where spending quietly drifted up 20%. The problem was never the reading — it was the prep. Downloading statements from three banks, matching transactions, remembering what "SQ *COFFEE 4829" was. By the time the report exists, the evening is gone.
The Monthly Smart Report inverts that. Because Skycopia already syncs your transactions read-only through Plaid, the report exists before you open it. The top of the page is the three numbers that matter — income, expenses, and net for the month — each with an up-or-down arrow against the prior month, so "was this a good month?" takes one glance instead of one spreadsheet.
Below the headline numbers, the report is organized the way a good review actually goes: what's new, what needs your attention, what you won, and where the money went. It even opens with a short written narrative of the month, so you get the story before the tables.
What the report actually surfaces
New this period. First-time merchants, new subscriptions, and subscription price increases — each price hike shown with the percentage and what you used to pay. New recurring charges are exactly the ones worth catching in month one, before they become furniture.
Needs your attention. Three kinds of trouble: charges that are unusually large versus your own history with that merchant (flagged with the multiple, like "3.2× your usual"), subscriptions about to renew in the coming days, and — the sneakiest one — charges from subscriptions you already marked as cancelled. If a cancellation didn't actually take, the report says so.
Wins, and where the money went. Subscriptions you cancelled this month show up with their annualized savings — the report keeps score for you. Then the breakdown: top categories with percentages, top merchants, your biggest individual charges, and your income sources, all from real transactions.
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Connect your bank, read-only
Skycopia links your accounts through Plaid. It can see transaction history — it can never move money — and it keeps syncing new transactions automatically after the first connection.
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The report builds itself from real transactions
Income, expenses, net, categories, merchants, subscriptions — all computed from what actually hit your accounts. Nothing to log, no budget to configure first, no categories to maintain by hand.
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Open it once a month and read what changed
Each month's report compares itself to the last one: spending up or down, new merchants, price increases on subscriptions, unusual charges, upcoming renewals — plus the wins column showing what you cancelled and what that saves per year.
The honest part: it only knows what your bank knows
Because the report is built entirely from bank and card transactions, it inherits their blind spots. Cash you spent at the farmers market never hits an account, so it never hits the report. Categories come from how your bank and Plaid classify each merchant — usually right, occasionally funny — and there's no manual-entry system to paper over the gaps, because manual entry is exactly the chore this feature exists to eliminate.
It's also a report, not a budget. It won't tell you that you overspent your dining envelope, because you never set one up. What it tells you is what actually happened and what changed — which, for most people, is the review they were skipping. If you want a strict envelope budget, pair the report with whatever budgeting method you already like; the report makes sure the inputs are honest.
Your first report, without the homework.
No separate signup page — create your account below, connect a bank read-only, and the report builds itself from your real transactions.
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A monthly money report that writes itself.
Connect the bank read-only and Skycopia builds the report from your real transactions — no credit card needed.
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FAQ
Do I have to enter or categorize anything for the report to work?
No. The report is built entirely from your bank and card transactions, pulled read-only through Plaid. Income, expenses, net, categories, merchants, and subscriptions all come from that data — there's nothing to log, tag, or reconcile before the report is useful. That's the point: the reason most people never do a monthly money review is that assembling one is a chore, so Skycopia assembles it for you.
What's actually in the Monthly Smart Report?
The top row is income, expenses, and net for the month, each with an up/down comparison against the prior month. Below that: what's new this period (first-time merchants, new subscriptions, and subscription price increases), what needs your attention (charges that are unusually large for that merchant, subscriptions about to renew, and charges from things you already cancelled), your wins (subscriptions you cut and what they were costing per year), and where the money went — top categories, top merchants, biggest individual charges, and your income sources.
How does it know a charge is 'unusual'?
It compares each charge against your own history with that merchant. If a merchant that usually bills you around $15 suddenly charges $60, the report flags it with the multiple — '4.0× your usual' — so you can decide whether it's a legitimate annual renewal, an accidental upgrade, or something to dispute. It's your baseline, not a generic threshold.
Can it catch a subscription that charged me after I cancelled it?
Yes — this is one of the report's more useful tricks. When you mark a subscription as cancelled in Skycopia, it keeps watching your transactions for that merchant. If a charge lands after your cancellation date, the report calls it out explicitly as a charge that arrived after you cancelled, which is exactly the kind of thing that slips through when a cancellation doesn't actually take.
Is it safe to connect my bank, and what does it cost?
Skycopia connects through Plaid with read-only access — it can see transactions but can never move money, and your bank credentials are never shared with Skycopia. The product is free while it's in private beta; there's no card required to sign up. The Monthly Smart Report is part of the fuller product tier, and the sample report on the demo page shows you exactly what it looks like before you connect anything.
More ways Skycopia watches your money
Read this month. Don't reconstruct it.
Skycopia reads your bank history read-only and turns each month into a report — income, expenses, what changed, and what needs a decision from you.
One user's own audit scanned 6,027 transactions — real numbers, July 2026.
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