Import Your Transactions from Any Budget App
Switching budgeting apps should not mean starting from zero. Bring your history with you in a few taps and pick up right where you left off.
Import from a CSV file
Money Talks brings your history in from a CSV file. Export your data from your current app, open Money Talks, and pick the file. Your past transactions land in your timeline so your reports and trends reflect your real spending from day one, not just the day you switched.
Transfers and currencies survive the move
The two things people lose when they switch apps are transfers between their own accounts and the currencies they spent in. A transfer read badly becomes a purchase you never made plus income you never earned, and it takes your monthly totals with it. Where an export names both ends of a transfer, Money Talks keeps it as one transaction with both sides, so a hryvnia-to-euro move stays a move and the rate you got that day stays in your history. Where an export names only one end, or states the arriving currency without the amount, the row is listed in the preview as skipped rather than recorded from a guess. Which case your old app falls into is the first thing each guide below tells you.
Smart column matching keeps categories lined up
Every app exports its columns a little differently. Money Talks reads your file and matches the dates, amounts, and categories for you, so your spending history stays organized. You spend your time checking the result, not wrangling a spreadsheet.
Nothing is saved until you say so
Every import stops at a preview first. You see each transaction as it will be recorded, which categories are about to be created, and a count of any rows that were skipped with the reason for each one. Rows a file leaves ambiguous are skipped and named rather than guessed at, so a file that does not fit is a message on screen and not a mess in your history.
No lock-in, ever
Your data belongs to you. Export everything anytime as a CSV file for Excel or as a PDF report. Money Talks is free, works offline, and requires no signup and no bank connection, so your data stays on your device until you choose to sync. You can always take it with you.
Moving from a specific app
Each guide covers one app: what its export file actually contains, what comes across, and what does not.
- your bank →
Every bank lets you download a statement, and that file has everything a budgeting app needs in it. You do not have to connect an account, hand over a login, or wait for a bank integration that may never come to your country.
- Revolut →
A Revolut statement is easy to read and easy to read wrongly. Three of its columns decide whether your totals come out right, and a reader that ignores them gives you spending that never happened, fees that vanish, and every currency swap counted twice.
- Zen →
A Zen statement is a document, not a data file: your name, your IBAN and four totals sit above the table, and a paragraph about the Central Bank of Lithuania sits below it. Most tools give up on the first line. This one reads the file as it downloads.
- Wise →
A Wise statement is clean, complete, and quietly ambiguous in one place. Nothing in the file says which number is the day and which is the month, and every payment you made before the 13th of a month can land in the wrong one because of it.
- Saldo →
A Saldo export is not a list of purchases. It is a bookkeeping journal, and that single difference is why a Saldo file can double your spending in an app that reads it one row at a time.
- FinEye →
FinEye writes your transactions and your accounts into the same file, one table under the other. Most readers get as far as the second header and start turning your account list into transactions. This one knows where the transactions end.
- CoinKeeper →
CoinKeeper writes every incoming payment as a transfer, which makes your salary look exactly like moving cash between two of your own accounts. The part of the file that tells them apart sits at the very bottom, and it is the part people delete.
- Money Manager →
There are two popular apps called Money Manager, made by different companies, and their export files have nothing in common. You do not need to know which one you installed: the first line of your file says it, and Money Talks reads both.
- ZenMoney →
ZenMoney writes a transfer as a single row with money leaving on one side and arriving on the other. Read that row as an expense and the arriving half vanishes without an error, which is the quietest way an import can go wrong.
- Money Flow →
Money Flow puts the far side of every transfer in its own columns, which makes it one of the easier apps to leave without losing anything. The catch is elsewhere: its account names contain commas, in a comma-separated file.
- Wallet by BudgetBakers →
Wallet exports a clean, well-formed file, and almost all of it moves across without trouble. There is one honest exception, and it is better to know about it before you import than to go looking for missing money afterwards.
- Spendee →
Spendee's export is straightforward with two things worth knowing: a note can contain line breaks, which confuses simple readers, and both halves of a transfer are written as ordinary income and expense rows.
- Monefy →
Monefy's export is small and simple, with one trap in it: the word currency appears twice in the header. Which of the two a reader picks decides whether your history keeps the currencies you spent in or gets flattened into one.
- YNAB →
YNAB gives you a zip file rather than a spreadsheet, and there are two tables inside it. Only one of them holds your transactions, which is the first thing to get right.
- Budget Flow →
Budget Flow writes one of the most complete export files of any budgeting app: both sides of a transfer, the exchange rate it used, and a flag on transactions that have not settled yet.
- any other app →
Not every budgeting app is on our list, and bank statements are not on anyone's. Smart Import reads an unfamiliar file, works out what its columns mean, and shows you the result before anything is saved.
Frequently asked questions
Which apps can I import from?
Money Talks has a dedicated reader for Saldo, CoinKeeper, FinEye, both apps called Money Manager, ZenMoney, Money Flow, Wallet by BudgetBakers, Spendee, Monefy, YNAB and Budget Flow, and for the statements of three banks: Revolut, Zen and Wise. Each one was written against a real export from that app or bank. Anything else goes through Smart Import, which works out the columns of an unfamiliar CSV or XLSX file, including most bank statements.
Will my categories transfer?
Yes. Smart column matching reads the category column from your export and maps it onto your Money Talks categories, so your spending history stays organized instead of landing in one giant pile.
What if the import goes wrong?
You see a preview before anything is saved: every transaction as it will be recorded, which categories are new, and a count of rows that were skipped along with the reason for each. Nothing is written until you confirm. If you have an account, Settings also keeps a Delete last import row that removes your most recent import in one tap.
Do transfers between my own accounts survive?
It depends on what your old app wrote down, and each guide says which case it is. Saldo, CoinKeeper, FinEye, ZenMoney, Money Flow and both apps called Money Manager name both ends, so a transfer arrives as one transaction with both sides and a cross-currency move keeps both amounts. Revolut, Zen and Wise do the same for a currency exchange between your own balances. Wallet and Spendee name only one account per row, so those transfers are listed in the preview as skipped and you add them by hand. Budget Flow names the arriving currency but not the arriving amount, so its same-currency transfers come across and its cross-currency ones are skipped. Nothing is ever paired by guesswork.
Can I export my data later?
Anytime. Download everything as a CSV file for Excel, or as a PDF report to share or archive. There is no lock-in, your data is always yours to take with you.