The Conscious Currency®
Three-Colour Spending
Sort a month of your spending into three colours, and see where your money really goes.
Where does your money go?
Upload one of your bank statements and sort each payment into one of three colours. Yellow is what you need to spend. Green is what you chose, and would choose again. Pink is what happened without much thought. The point is to see the pattern first, then shift the balance a little at a time.
Yellow
Necessities
Green
Chosen
Pink
Unconscious
It takes about ten minutes. You'll need a CSV or PDF statement from your online banking.
Upload your bank statement
Export a CSV or PDF statement from your online banking. Most UK banks offer both options in the statements or transactions section. Drop it here or click to select.
Your data stays private
Your bank statement is processed entirely in your browser. Nothing is uploaded to any server. Ripple Out does not see, store or share anything you upload. When you close this page, it's gone.
Drop your file here or click to browse
.csv or .pdf files accepted
Reading your PDF statement...
How to export: log into your online banking, go to Statements or Transactions, look for "Export" or "Download", and select CSV or PDF. Banks including Barclays, HSBC, Lloyds, NatWest, Nationwide, Monzo, Starling, and Revolut all support this.
Confirm your columns
The tool has guessed which columns are which. Adjust if it got any wrong.
Your Statement Review
What this tells you
Want to understand why you spend the way you do?
Your spending is shaped by your Money Characters. Take the five-minute quiz, or if you already know yours, the Budget Lens will carry these numbers across.
This tool is for reflection only. It is not financial advice. Your statement is processed in your browser and never leaves your device.