ග Free while in beta

Every card.
One place.
What's actually left.

Cardගොඩ reads your Sri Lankan credit card statements, checks its own arithmetic against the totals the bank printed, and tells you what money is genuinely free this month.

Download free How it works

Nothing leaves your computer Windows and macOS

Your data

Your statements never reach us.

Your computer. Your database. Your Google account, your API key, your Drive. There is no Cardගොඩ account and no Cardගොඩ server, so nothing is uploaded to us, nothing is tracked and nothing is sold — there is nowhere for any of it to go. Every part of this is yours, and it keeps working with the internet switched off.

  • Your machine holds the database
  • Your Google key does any AI reading
  • Your Drive holds the backups
  • No account with us, no server, no tracking
  • Never connects to your bank

One exception, said plainly. A few banks send PDFs the app cannot read on its own. Those statements — only those — are sent to Google Gemini using a free key you add yourself, so it is your account doing it and you can leave it switched off. How to get the key →

The problem

With one card you keep it in your head. With six you cannot.

Six statements arrive at six different times, in six different layouts, each telling you about one sixth of your month.

The totals never meet

Every bank shows you its own card, and nothing adds them up.

CBComBank ···· 09681 – 31 Aug128,450.00
HNBHNB ···· 13243 Aug – 2 Sep76,120.00
SBSampath ···· 937010 Aug – 9 Sep43,980.00
?All of it togetherthe number you actually need—

The spreadsheet rots

It works until the month you are busy. Then it is months behind.

X Spending 2026.xlsxlast edited 3 months ago
Stale

Instalments hide

One from last year still takes its share, quietly.

0%Phone on a 0% plan8 of 24 months left12,500
NNetflixmonthly, since 20243,362
SLTSLT Fibremonthly5,500
LLaptop on a 0% plan3 of 12 months left18,750
IInsurance premiumquarterly9,800

What it does

Reads the statement. Checks the maths. Shows the month.

Reads your PDFs

One statement, or a folder holding a year of them.

Drop statement PDFs here
or browse your files

PDF combank-aug.pdf PDF hnb-aug.pdf PDF sampath-aug.pdf

Checks its own work

Reconciled against the totals the bank printed.

Transactions read142
Statement total128,450.00
Opening and closingmatch
Totals agree with the bank

Plans the month

Income, commitments, and the one number underneath.

September 2026 ‹ ›
Salary+290,00025th
Rent−65,0001st
Card instalments−33,3155th
Subscriptions−18,417varies
+ Add a commitment

Sees the shape of it

Where the money actually went, month by month.

LKR
128,450
Bills & household38%
Instalments24%
Groceries14%
Eating out12%
Subscriptions8%
Everything else4%

Getting started

Three steps, about ten minutes.

01

Add your cards

  • Pick your bank from the list
  • The card's number fills itself in from the first statement
  • Add its credit limit and expiry if you want the reminders
The Cards screen, showing six Sri Lankan credit cards with their statement counts, outstanding balances and due dates
02

Import statements

  • One file, or a folder holding a year of them
  • Password-protected PDFs are handled
  • Each one is checked against its own totals before you approve it
The Upload Statement dialog, with a card selected and a drop area for PDF or image statements
03

Plan the month

  • Subscriptions and instalments are found for you
  • Commitments carry forward, so next month starts filled in
  • One number at the bottom: what is actually yours to spend
The Monthly plan screen: take home, committed and left to spend, with a breakdown of where the money goes

Before you download

What it is, and what it is not.

Worth knowing now rather than after you have installed it.

Built for Sri Lanka

  • Reads Sri Lankan bank statements. It will not understand one from elsewhere.
  • Rupees throughout.
  • Some banks, Commercial among them, need a free Google Gemini key. You add your own and it stays in your keychain.

Your statements stay yours

  • Stored on your own computer. No account, no server holding your data.
  • Statement text reaches Gemini only when a statement needs AI to be read, with your key.
  • Backups go to your Drive only if you connect it, into a folder only this app can see.
  • It reads statements you hand it. It never connects to your bank.

Price

Free while it is in beta.

It will not be free forever. When it earns a price, everyone using it now keeps a permanent founder discount — nothing to claim, your start date is already recorded.

Right now

Open beta

Free
Everything, no time limit
Planned

One year of updates

LKR 3,500
About LKR 292 a month
Planned

Lifetime of version 1

LKR 12,000
One payment

You buy a window of updates, not a subscription. When it ends the app keeps working exactly as it is, for as long as you like — you simply stop receiving new versions. Nothing is taken away, and nothing renews on your card without you.

Download

Get Cardගොඩ

Free, no account, nothing to cancel.

Windows macOS

Both systems will warn you

Windows: choose More info, then Run anyway.

macOS: System Settings → Privacy & Security → Open Anyway.

Once, the first time. It happens to every app that has not yet built a reputation with Microsoft or been notarized by Apple.

All releases